Will Roof Repair Be Covered By Insurance?
If your roof is damaged, you might be wondering if your home insurance is going to cover the repairs.
25/01/2019
If your roof is damaged, you might be wondering if your home insurance is going to cover the repairs. This is something that might be covered by your insurance, but it might also not be covered. This will depend on your insurance policy and the cause of the damage to your roof.
Check Your Insurance Policy
The best way to find out if your roof repair is covered by insurance will be to look at your policy. In most cases, your insurance policy will state that your roof repair will be covered if it was caused by unexpected damage. This will include damage caused by wind, hail, and fire.
Your insurance policy will generally not cover roof repair which fixed general wear and tear. Your repairs may not be covered if your policy has certain exclusions. There are some policies which state that damage from wind or hail is not covered. This will generally be applicable in areas where wind and hail are common.
How Old Is Your Roof?
Your roof repairs may not be covered if your roof is deemed to be too old. This is the case even if the damage has been caused by a covered unexpected event such as hail. If your roof is 20 years or older, it will generally be deemed too old to be covered by your insurance. Your roof may also be too old if the lowers layers are 20 years old even if the top of the roof is newer.Find out about the age of your roof, #1 roof repair company can help with all your queries.
It is important to note that most insurance companies will cover repairs for older roofs. However, if the repairs are extensive and need replacements in parts, this will often not be covered.
Did You Try To Repair The Roof?
There are some people who try to complete minor repairs on their roof themselves. While this might seem like a good idea, your insurance company can reject a claim for roof repairs based on this. If you have attempted repairs and made everything worse, the damage will be deemed your fault and will not be covered.
If your roof does need to be repaired, you should avoid doing the repairs yourself unless you know exactly what you are doing. There are some insurance companies that will not reimburse you for repairs that you have done. It is always better to contact your insurance company before any repairs are done or attempted.
The Material Of Your Roof
There are certain roofing materials that insurance companies will not cover and will not pay for repairs on. Wood shakes are one of the materials that fall into this category because they are viewed as high risk. This is due to the fact that they are expensive, but have a short lifespan.
Metal and slate roofs will generally be covered, but some damage may be dismissed as cosmetic. Metal roofs are vulnerable to hail and the damage done by hail will often be classed as cosmetic so the insurance company does not have to pay for them.