Roof leaks are an all-too-familiar issue for many homeowners. As soon as you spot water dripping from the ceiling, making a quick call to your insurance provider should be the first thing you do. But if your insurance company declines to cover the leak repair, there’s only one possible reason why: the cause of the issue is roof wear and tear.
What You Should Know About Roof Wear & Tear
Roofing systems sustain a small amount of damage every day. Any leaks resulting from this won’t be covered by your homeowners insurance because wear and tear is a normal aspect of the roof’s aging process. There’s also the fact that leaks caused by wear and tear typically only occur when the roofing system is poorly maintained. Insurance companies see roof maintenance as the homeowner’s responsibility, so if roof damage is caused by wear and tear, it’s generally excluded from coverage.
For What Kind of Roof Repair Does Homeowners Insurance Pay?
Your insurance policy may help pay for roof repair work if the damage is caused by a covered peril. A peril refers to the cause of the property loss, such as fire or storm damage. If your roof was damaged during a major weather event, for example, the repair costs may be covered by your homeowners insurance, minus the deductible. If a roof leak has reached your home’s interior and damaged its contents, personal property coverage may help pay for the items’ repair or replacement. Keep in mind, however, that some insurance policies don’t include roof damage resulting from hail or windstorms. You may need to purchase additional coverage so they’ll be covered.
What’s Next?
If your roof leak is indeed covered by your homeowners insurance, the next step would be to turn to a trusted local roofer like Bone Dry Roofing – Florida. Navigating the complexities of insurance claims becomes much easier when you work with professionals like us who can guide you smoothly through the process and get you the fair coverage you deserve.
Contact Your Local Roofing Specialists
Schedule an appointment with Bone Dry Roofing – Florida today by calling us at (941) 343-5622 or filling out this contact form. We look forward to hearing from you!
