Is Roof Repair Covered by Insurance?

Your roof protects your home from elements such as wind, rain, and snow. Therefore, if your roof is leaking, it can cause serious damage to your home and your possessions. When this happens, it can be difficult to figure out what damage your home insurance covers. 

So, is roof repair covered by insurance?

To find that answer, you’ve come to the right place. This article will tell you about what your insurance guarantees, how to make a claim, and steps you can take to help protect your property. 

Is My Home Covered?

Your coverage will depend on the type of damage and the wording of your home insurance policy. Some policies will cover the full cost of repair and damages, but others will only cover a fraction of the cost. 

So, when answering the question of whether roof repair is covered by insurance, it depends. You need to read your policy carefully so you know your rights and what your compensation is.

Generally, damage caused by accidents or natural disasters will be fully covered. 

However, you’ll not always be protected against problems caused by wear and tear — such as leaks or broken tiles. It’s important to remember that many policies include a deductible, so you might have to pay some expenses out of pocket before making a claim. 

Is Roof Repair Covered by Insurance – Making a Claim 

As soon as you notice damage to your roof, you should immediately contact your insurance provider. Make sure to save photos of the damage as evidence, and keep any receipts for temporary repairs so you can claim the expenses later. 

When assessing your claim, there are a few things your insurance company will consider. The age of your roof will be a major factor: insurance payouts are often limited for roofs that are more than 20 years old. 

The condition of your roof will also be taken into account. If your roof recently passed an inspection, your claim is more likely to be successful. 

Your insurance coverage can also depend on your location. Here in the Tampa Bay area, extreme weather is not super likely (there’s an 11% chance of a hurricane hitting landfall every year), but storm surges and high winds are common.

Most home insurance policies will thankfully cover this, but there are several providers that offer specialist windstorm and hurricane protections, which may be ideal if you’re in a high-risk area or have an older or more valuable property that you want to protect.

If you live in a state with a high incidence of tornadoes or hurricanes, you might need specific insurance to protect your property against extreme weather.

How Can I Prevent Roof Problems?

Prevention is always better than cure, and it’s always worth reducing the risk of issues rather than waiting for a big or expensive problem to occur.

Fortunately, you can take a few steps to ensure your roof is in good shape. You should regularly inspect your roof for signs of damage and clear gutters and drains to prevent blockages. 

You can also check the seals around pipes and vents to ensure they’re watertight. 

Finally, you might consider cutting down any trees that could fall on your roof during a storm. 

However, sometimes life happens, and roof repairs will be necessary. 

If you find yourself in this position, then contact our team here at Bay to Bay Roofing. Our professional, experienced team is here to help you take care of all your air conditioning needs, from annual maintenance and unit care to upgrading your system and carrying out repairs both big and small.

Contact us today, and let’s get your roof sorted!