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Roof repairs can be expensive and they seem to happen at the worst times. What can make the expense worse is if your insurance does not cover the damages and you have to pay the whole job yourself.
Does homeowners insurance cover roof repair? The short answer is yes, but it can be a no if you fail to meet the expectations set by your insurance company.
When Does Homeowners Insurance Cover Roof Repair?
Insurance covers damages that occur during the following situations:
Acts of Nature
In case of any act of nature, your insurance company covers damages; however, the specific protection offered for each natural disaster varies, so check with your insurance provider.
If your house catches a fire, you are eligible for insurance coverage even if a natural disaster is not covered by insurance.
Most standard insurance policies cover any acts of vandalism caused by a third party.
Objects falling on the roof can cause severe structural damage. Insurance covers damage caused by objects falling during storms, but might not be applicable for all types of impact damage.
Your homeowner’s insurance covers damage caused by excessive settling that often results in cracks or structural damage to your roof.
Most policies cover accidents; however, keep in mind that if you ask your insurance provider, most companies deny coverage at first and it is up to you to know the exact details of your policy. We have experts that are trained in insurance claims that would be glad to help you through the claims process should you need to file a claim.
When Does Insurance Not Cover Roof Repair?
As with all insurance policies, homeowners insurance does not cover roof repair in a few situations:
The Roof is Old
Like everything else, your roof has a set number of years of expected lifespan. Unfortunately, after the roof has reached its expected lifespan, it is likely to start developing problems due to material failures and constant exposure to nature.
The most common roofs have a life expectancy of 15-20 years, so insurance companies offer limited or no coverage for roofs that are that old. While properly maintained roofs can last longer than their expected lifespan, we recommend that you prepare to change your roof as it gets near the end of its lifespan to avoid expensive roof leak repair costs we often see associated with older roofs.
Hiring an inexperienced contractor might seem like a good decision while shopping for a new roof, but it is not in the long run. Contractors charge according to their experience and skillset, so we recommend investing in a great roofer not just an ok roofer.
Installing a roof yourself is an even worse idea unless you have the skillset because roofing is a highly specialized job that requires training to perfect.
Regardless of who installs your roof, if insurance finds that faulty installation caused it, they wil not cover the damages.
Your insurance only covers damages if you follow the right maintenance schedule. So make sure that all the debris is clear from your roof, check for algae and moss growth, and keep your gutters clean so that there is no clogged drainage so the water can flow from the roof to the gutter onto the ground properly. Additionally, you should trim any trees growing near your roof to minimize damage from moisture and falling branches.
Does homeowners insurance cover roof repair? To reiterate, insurance covers damages caused by accidents or during extreme weather conditions. However, it is our obligation as home owners to keep our roof maintenanced to be eligible to make an insurance claim that wont get denied. Make sense?
Always call a professional roofer out at least twice a year to check to ensure everything is in order, and call immediately after a serious storm to ensure that it didn’t cause any roof storm damage.
You should conduct frequent visual inspections to ensure that there is no roof damage or missing roofing and call a professional roofer if you see anything that doesn’t look right to you. Never attempt to fix roof damage yourself, again unless you have the skillset, as there is a higher likelihood of damaging something and incurring even more repair costs.
Roofing Fact: 86% of roof leaks are caused by improper installation. And the average roofing contractor goes out of business in less than 3 years!
How Do You Claim Insurance?
Claiming damages is sometimes tricky, especially when you’re doing it for the first time. So here are a few things you should do to make insurance claims as painless as possible:
1. Maintain a Photo Album
You should always maintain a photo record of your roof’s condition to minimize going back and forth with your insurance company.
2. Conduct Maintenance
No matter how new your roof is, you can’t claim insurance unless you keep your roof well maintained. They can tell too! Never delay roof leak repairs because damaged roofs are more likely to collapse or leak, which can damage your property, belongings, and pose a threat to life.
3. Immediately Call Your Insurance
After you notice any roof storm damage, call your preferred professional roofer and then immediately call your insurance carrier. Most companies have a defined timeline during which you can claim damages. At this point your insurance carrier will assign a field adjuster to come out and inspect the damage and start the process for your claim. Here at Roofcrafters we like to meet the adjuster to go over the entire scope of work that will be required to make the repairs to make sure nothing is left out.
Always file a roof storm damage claim after contacting a roofing contractor out to inspect and confirm that you do in fact have storm damage to your roof and the repairs are going to be greater than your deductible. This way your insurance does not start a claim with no damage or sometimes it’s just not enough damage to meet your deductible and these claims once opened by you, will go against you when it’s time to renew your homeowners policy even though they get denied for not enough damage. This is very important and we see other people recommending calling your insurance company first and that is not the best practice. Make sure you have damage and the damage will exceed your deductible, then we call to file the claim. We also will make a temporary repair to mitigate any further damages until the work can be scheduled. Make sense?
What if it’s a Rental?
Insurance companies have policies that protect the landowner and renter in case of accidents. If you live in a rental, contact your landlord immediately..
While a renter does not have to claim insurance for the leaky roof, insurance companies offer a renters insurance policy that allows you to protect your belongings in case of accidents.
For landlord insurance, the process is to analyze and document any damage before calling up your insurance company. You should leave things as is while the insurance adjuster comes to inspect the damage and processes the claim.
Need Roof Repairs? Call RoofCrafters!
While insurance processes your claim, you should get your roof temporarily secured to avoid and mitigate any further damage to your property.
With thousands of satisfied customers in South Carolina, Georgia, and Florida, RoofCrafters has the experience you need to walk you through the entire insurance claim process and make sure that you are covered!
We offer services for both commercial and residential properties so that you know you have a team of professionals who demonstrate integrity and who will provide The RoofCrafters Experience the whole way through the process whether you are at home, or at work.
Browse through our services to find the right one for you!
Our team has over 28 years of roofing experience, so when you choose RoofCrafters, you get professionalism, demonstrated integrity and The RoofCrafters Experience. We understand how stressful it is to deal with roof leak repairs and roof storm damage. We are here to help.
Whether you are looking for a new roof or want us to conduct repairs on your current one, If you’re confused and not sure which roof fits your needs, we are here to help!
Does homeowner insurance cover roof repair? It depends largely on the factors that we discussed above.