Will insurance cover a new roof?
Protecting your investment
Your home is one of your biggest investments, so it’s important to make sure that it’s well-protected. One way to do so is by making sure that you have sufficient home insurance and that your roofing is covered in that insurance.
Homeowner’s Insurance and Issues that come up
While homeowner’s insurance covers many areas, there are still some restrictions that apply. Some examples of factors that are taken into consideration are the age of a roof, the area in which you live, and the age of your home. In addition to these factors, there are some limitations as to what homeowner’s insurance covers. For example, most homeowner’s insurance doesn’t cover damage caused by malicious intent.
Flood insurance isn’t quite clear-cut. It all depends on what caused the damage. If your roofing is damaged due to flooding, it would have to be considered an “act of God,” meaning that the flooding would have had to be unavoidable, in order to be covered by homeowner’s insurance. This also applies to tornados, heavy rains, and hurricanes (in areas that experience hurricanes).
Protecting Your Home
What are some of the best ways to prevent having to file a roofing insurance claim in the first place?
- Have your roofing inspected before hurricane season or winter
- Make sure that the trees near your home are properly trimmed
- If you see and shingles on your roof that look damaged, replace them immediately
Choosing a Good Contractor
As we mentioned earlier, your home is one of your biggest investments, so you want to make sure that you protect it properly. In the event that your home insurance covers roofing issues, your next step would be finding a reliable roofing contractor. Your priority as a homeowner should be finding a roofing contractor whose services are covered by your homeowner’s insurance and one who is reputable and experienced. For all your roofing needs, call 911 Exteriors Roofing & Fence today at 972-243-6700!
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