Some people never consider their homeowner's policy when it's time to make a roof repair. Some others do consider it but don't know how to use it properly. Understand that your home insurance policy can fully or partially pay for your roofing repair. However, it's not always a simple process.
Homeowners Insurance Is Very Particular
Your policy may take care of roofing repairs for you. Unfortunately, these types of policies won't pay for just any kind of repair. There are usually stipulations. For example, here are some of the typical provisions:
- Weather must cause or contribute to the damage
- An unavoidable event must cause or contribute to the damage
- You must have full documentation of the damage (pictures, dates, etc.)
- You need an inspection
It's possible that your particular policy will require none of these things, or conversely, all of them. That's why it's important to check your policy first, or speak to a rep from your insurance company.
It's always good to know exactly what kind of coverage you have for your home in general. Knowing your policy back and front can save you a lot of hassle in the future.
Homeowners Insurance Can Have Many Exceptions
Even if your home policy does cover roof repair, it may have further stipulations in the form of exceptions. Once again, these can vary depending on your particular policy, but here are a few things you should look out for.
Time exceptions – Your policy may not cover your roof repair if your roof is over a certain age. You may also receive a denial if your roof is older than its warranty.
Named perils – Does your home insurance only cover named perils? You have to make sure one of those perils caused or contributed to the damage that created the need for a repair.
Third parties – Consider if you hire someone to add insulation in the attic, but they somehow damage your roof. The damage may go unnoticed until something like a leak develops after a storm. If the insurance company finds that a third party caused the initial damage, they may deny you fully or partially.
These are just examples. Your policy may include none of these, but still have other types of exceptions.
You Should Repair Your Roof No Matter What
No matter what your insurance policy says, you should still have a damaged roof repaired as soon as you possibly can. It doesn't matter if it's a leak, missing shingles, roof spots, water damage, gutter issues, or anything else.
Each of these problems can grow into large issues if left unattended. Hire a roofing repair contractor like HomeTowne Roofing to inspect your roof and make the necessary repairs. The contractor can help you figure out the precise nature and origin of your roof damage.
Take before and after pictures, document the repairs, and keep all the paperwork. When you file your claim, you be in a good position for having your insurance company pay for the repairs.