Are Roof Repairs Covered By My Homeowner’s Insurance Policy?
The biggest worry for many homeowners is on the key areas which their insurance policy covers. This is because once you purchase an insurance policy what you are looking for is a peace of mind where you can be able to stay worried free in case anything happens to your house. The roof is a part of the house and in most cases, you may find that it is not covered in the homeowner insurance policy. Roof damage like any other part of the house is susceptible to damage and may need to be covered. The answer to this is that depending on the insurance policy you may be covered by the policy and enjoy the Authentic Restoration’s roof repair services. However, these are some of the things which you need to keep in mind as you determine if your roof damage is covered.
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Dwelling coverage
The homeowner’s insurance policy covers your entire house against damage and this means that the roof is included in the cover. This means that you will get compensated from roof damages which come from causes which are being your control. This means that in case your roof is damaged by fire, wind, hurricane or hail then it is covered in the homeowner’s insurance policy. Another way to interpret this is that if your house is damaged say by a tree which fell because of a storm or it was struck by lightning or hale and was destroyed. In this case, then the dwelling coverage will help in covering the cost.
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Excluded peril
In understanding what is covered in homeowners insurance policy it is important to understand what is excluded. This is important to know that you do not waste time and effort following what is not covered. One is required to take time and check exclusion which may include; neglect, if the roof damage has come as a result of not taking care of the roof then the policy does not pay for that. The other exclusion is mold whereby as a homeowner you are supposed to take care of mold and make sure that it’s removed from time to time. Wear and tear deterioration is also not covered as it’s the homeowner responsibility to fix that.
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Roof leaks
Another commonly asked question is whether the homeowner’s insurance policy covers roof leaks. The answer to this is yes and no since there are excludable in the coverage. If the roof leak is caused by the covered peril then this fall under the coverage and the policy will foot the bill. It is important to note that if the roof leak is as a result of damage due to wear and tear or lack of proper maintenance then this will not be covered. This is why one is asked to conduct a regular roof check to determine the condition of the roof before taking the policy. This is because one will get a good knowledge of the state of the roof.
