Roofing Coverage and Homeowners Insurance
Have you ever wondered whether roof repairs or replacement is covered under homeowners insurance? While roofing warranties commonly provide coverage for manufacturing defects and/or installation errors, coverage for roofing repairs is quite limited. But, what might be covered under roof insurance in your homeowner plan? There are some kinds of roof damage that will be covered – let’s take a closer look.
Most homeowner insurance plans will cover the structural components of your home including your roof. Damage caused by natural disasters and inclement weather may fall under your roof insurance coverage. Fire, wind, and even hail may damage your roof and you find that your insurance provides some coverage. Certainly, fallen trees can wreak havoc with roofing structures and this kind of damage will often be covered by your homeowner insurance.
Additionally, damage to shed or garage roofs may also fall under your roof insurance coverage. Homeowner insurance policies may also provide coverage for damage to these structures caused by storms, disasters, or fire. Of course, this all depends on the type of coverage you arrange. There are also geographical considerations – some insurance policies will not cover certain kinds of damage simply because of the likelihood of inclement weather events; for example, if you live in a flood plain, coverage for flood damage may not be offered.
When it comes to roof leaks, these may also be covered by roofing insurance. While you probably are not purchasing roof-specific insurance, homeowner insurance that covers perils such as fire, hail, or wind could cover your roofing repairs if the leaks are related to damage caused by such perils. Once again, read your policy carefully as there are often exclusions to coverage.
On the other hand, roof leaks resulting from usual wear and tear or poor maintenance are not likely to be covered by roof insurance. Indeed, insurance policies are more likely to provide coverage for accidental or unexpected damage caused by extreme weather or fire. Age- or maintenance-related leaks are expected for roofs and repairs would need to be paid for by the homeowner.
As such, roofing professionals highly recommend conducting regular roof inspections and maintenance services to keep your roof in its optimal condition. No matter the age of your roof, ensuring structures and materials are in good condition can extend the lifespan of your roof while also preventing leaks which will help to keep your home and its contents protected no matter what weather comes your way.
So, if you’re wondering what is covered under roof insurance in your homeowner plan, it’s important to carefully read your policy to understand whether damage can be repaired through your insurance. You’ll find that most damage that is covered is likely related to perils such as extreme weather or fire; otherwise, as a responsible homeowner you need to manage regular roof maintenance and repairs.