Roof damage is an inevitability given its constant exposure to the local weather. As such, many homeowners assume that the warranty will cover its repairs. However, that is not exactly the case. Roof repairs to rectify issues caused by installation errors or manufacturing defects are covered by your homeowner’s insurance policy – except for wear and tear. Continue reading as we explain why.
The Importance of Roof Maintenance
Your roof gets battered by the elements every day, which is why it is expected to manifest signs of aging over its lifespan. While it is not always something to worry about, wear and tear can still compromise your roof’s longevity and performance. Taking a proactive approach to roof maintenance helps reduce the occurrence of these problems from ever happening.
The Reason Why Wear and Tear Isn’t Covered
As a homeowner’s insurance policyholder, you are bound to your agreement with the insurer to prevent any negligence that could cause property damage. Wear and tear are excluded from the policy to keep them from being held liable in situations when the damage is a result of your failure to repair, replace or maintain aspects of your home that required work. Thus, it is your responsibility to keep up with regular roof inspection and maintenance work to minimize damage caused by wear and tear. In case there’s an issue, you’ll be expected to fund the repairs yourself – not your insurance provider.
What’s Covered by Your Homeowner’s Insurance?
Your homeowner’s insurance, however, covers roof damage caused by circumstances that are beyond your control. These include acts of nature, such as wind-blown debris or a fallen tree during a severe storm. Your insurer will pay the cost of repairing your roof minus the deductible. Be sure to review the details of your policy to be aware of the inclusions and exclusions. Some policies consider wind and hail damage repair aren’t covered, but can be included in your existing policy as an add-on.
Certified Roofing Solutions, LLC is one of the top roofing contractors in the area. Apart from providing emergency repair services, we are also knowledgeable on home insurance policies and can assist you with the claims process as needed. Call (800) 647-0986, or fill out our contact form to schedule an estimate.