Does Your Home Insurance Include Damage to Your Roof?

Your home is probably one of your most precious investments.  It has taken you time and sacrificing to save up money and buy a home. Therefore, it’s natural to want to protect your home from anything that can damage or lower its value. Damage to the roof can lead to eventual damage to a home and eventual reduction of its value. Home insurance ensures that your home is covered from such damage. It protects you against events that can lead to problems that you may be unable to independently handle during a catastrophe or disaster.

Basically, home insurance provides coverage for a wide range of issues including calamities and accidents. However, it’s crucial to note that home insurance policies vary from one provider to another. As a result, you should not assume that taking a home insurance will solve all your roof problems whenever they occur. In fact, the lines are a bit blurred when it comes to roof damage.

Types of Roof Damage that is covered by Home Insurance

To know whether your home insurance includes damage to the roof, you need to know the specific types of damage that is covered by home insurance. Homeowners insurance may cater for roof damage but extent of the cover depends on the causes of the problem. The most common risks that are covered by home insurance include roof damage by wind, hail and fire.

In case the roof of your home is damaged by a fire outbreak, windstorm or hailstorm, your home insurance may cater for a larger part of the costs of its repair or replacement. Your roof can leak or develop other defects as a result of these catastrophes. But, if the damage is due to any of these eventualities, your insurance will cover the costs of fixing the damage if it was included in the policy.

Roof damage that result from wear and tear may not be covered by home insurance. Thus, your home insurance may not cover damage on your roof if it’s due to lack of maintenance or ageing. Insurance companies consider roofs that have lasted more than 20 years as being beyond their life expectancy. This implies that the insurer can decline to issue redemption or just cater for part of the costs of repair and replacement only.

It’s crucial to note that home insurance will cover the roof that is attached to your property only. The policy won’t cover damage to roofs that are not attached to the property. This include garage roof and shed roof. These are covered in the policy of the other structures.

When obtaining home insurance that protects your roof, remember that the coverage limit and deductable apply. The deductable is the amount of money that you will be required to pay from your pocket for the cover. Coverage limit on the other hand, is the maximum amount of money that the insurance company will pay in the event of loss.

Signs of Roof Damage

Some forms of roof damage can be easily determined even without roof inspection. However, some forms of roof damage can be hidden for a long time. That’s why it’s advisable to schedule a roof inspection the moment you notice signs of roof damage. This will enable you to file for compensation with your home insurance provider on time.

Here are some of the signs of roof damage to look out for:

  • Worn out and old shingles that are split or curled.
  • Flashing chimney and vents
  • Blocked and sagging gutters
  • Roof leaks
  • Rust on parts of the roof

If you notice any of these signs of roof damage, hire a specialist like Medicine Hat Roofing immediately to inspect your roof and help you determine whether you should file a claim with your insurance provider. Nevertheless, make sure that the damage is covered by your home insurance.