Will my insurance cover the cost of my roof repairs or replacement?

One of the most common question we receive from our clients, friends and family is:
“Will my insurance cover the cost of my roof repairs or replacement?”

Home insurance provides cover for unexpected events that are outside of your control. For instance, in the event that your roof experiences some sort of damage, whether it’s from vandalism, a fire or an accident that is covered by your policy, you should be able to get all repairs paid for by your insurance company.

The easiest way to know what’s covered or what’s not, is to contact your home insurance provider. However, keep in mind that excluded circumstances won’t be covered unless the policy specifically states it in your home insurance. It is not designed to cover any damages that could be easily avoided by regular maintenance or by hiring a professional roofer to inspect your home every season. ​​Coverage will often depend on the area you live in, the age of your roof, and many other factors, so its important to know the specifics of your policy.

Providing proper care and regular maintenance to your roof will surely prevent leaks and unnecessary damages to your property and especially to your finances. Crucial responsibilities of the homeowner is to inspect the roof or to hire an experienced roofer for a roof inspection which will determine if there’s any fixtures that needs to be done to avoid further damages.

For example, in the event that your roof experience damages, whether it’s from a hail or a misguided firecracker, you should immediately fix the bad shingles or tiles. Ignoring the damaged section for too long may result in a leaking roof, wasted energy and unwanted pests.

Fortunately, for those that have homeowners insurance (and we hope you do), the burden of paying for the cost of repairs or replacement usually does not fall completely on your shoulders. If you hire an expert company such as ABC Roof Restoration, we will be able to help you navigate your way through the roof insurance claims process.