This topic is near and dear to me as a professional roofer in Mississauga and Ontario. I have seen too many homeowners get stuck with a hefty repair bill because they were not adequately covered by their home insurance policy. It is essential to understand what kind of damage is and isn’t covered by your home insurance policy before you make a claim. Otherwise, you could be left paying for repairs out of your pocket.
What is a homeowner’s roof insurance?
Homeowners insurance is a type of property insurance that covers your home and possessions in the event of damage or theft. It also provides liability coverage if someone is injured on your property. Homeowners’ insurance typically does not cover damage caused by normal wear and tear, so it’s important to know what is and isn’t covered before making a claim.
What type of roof damage is typically covered by homeowners insurance?
As mentioned earlier, your roof damage is eligible for compensation if you, as a homeowner, cannot be linked to the damage directly. These could be;
Severe weather.
Weather is one of the most common causes of roof damage and is typically covered by homeowners insurance. This includes damage caused by high winds, hail, snow, and ice. If you have faced lousy weather conditions, it’s essential to inspect your roof for damage and contact your insurance company as soon as possible.
Falling trees or tree limbs.
Another common cause of roof damage is falling trees or tree limbs. If a tree falls on your house, it could cause severe damage to your roof. Most homeowners insurance policies will cover this damage, but you may need to purchase additional coverage if you live in an area where severe weather is typical.
Fire damage.
Damage caused by accidental fires is another type of damage that is typically covered by homeowners insurance. If your roof is damaged by a fire that starts in your home, your policy will likely cover the repairs. However, if the fire starts outside of your home and spreads to your roof, you may only be able to file a claim with your homeowner’s insurance if you have purchased additional coverage for this type of damage.
Wind damage.
Strong winds can cause damage to roofs, especially if there are loose or missing shingles. Most homeowner’s insurance policies will cover wind damage, but you may need to purchase additional coverage if you live in an area where severe weather is typical.
While these are some of the reasons why your homeowners’ insurance policy may cover roof damage, it’s important to remember that every policy is different. Be sure to read your policy carefully to know what is and isn’t covered. And, if you have any questions, be sure to contact your insurance agent or company.
What type of roof damage is not covered by homeowners insurance?
In some cases, your roof insurance may be denied for various reasons. These include;
Normal wear and tear.
One of the most common reasons roof damage is not covered by homeowners insurance is that it is considered normal wear and tear. Over time, your roof will suffer from wear and tear, and this type of damage is not typically covered by homeowners insurance.
Poor maintenance.
Another common reason for denied claims is poor maintenance. If you have not properly maintained your roof, your insurance company may deny your claim. Be sure to keep up with regular maintenance, such as cleaning gutters and trimming trees, to help avoid this type of issue.
Improper installation.
If your roof is not properly installed, you may also have difficulty filing a claim. If you are having problems with your roof, be sure to contact a professional to have it inspected to see if the problem is due to improper installation.
While homeowners insurance typically covers roof damage, there are some exceptions. If you have any questions, be sure to contact your insurance agent or company.
How can you ensure your roof damage is not denied?
One of the best ways to ensure your roof damage is not denied is to have regular maintenance done on your roof. Keep up with regular cleaning and repairs, so your roof stays in good condition. You should also contact a professional if you have any concerns about the state of your roof.
Another way to help ensure your claim is not denied is to provide you with an understanding of your policy. Read your policy carefully to know what is and isn’t covered. By understanding your policy and maintaining your roof, you can help ensure that your claim is not denied if damage does occur.
A professional roofing company in Mississauga, ON.
If you are looking for a reliable and experienced roofing contractor in Mississauga, look no further than Cadillacs Roofing. We have been serving the residents of Mississauga for over 20 years, and we are dedicated to providing quality customer service. Contact us today to schedule a free consultation.
