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  • Writer's pictureStacey Belknap

How To Know If You Can Claim Roof Repair On Insurance

Updated: Apr 6, 2022

Your regular homeowners’ insurance policy typically covers roof repair as long as the cause of the damage isn’t explicitly excluded in your plan. However, if damage occurs due to a lack of maintenance or incorrect installation, you will need to pay out of pocket. As with any other insurance claim, consider your policy deductible to evaluate whether filing a claim would make the best financial sense.

When Homeowners’ Insurance Covers Roof Repair

As a general rule, homeowners’ insurance covers roof repairs unless the damage is excluded in your insurance policy. However, your insurance company will deny claims filed for lack of maintenance or gradual wear and tear.

Common perils covered by a standard homeowners’ insurance policy include:
• Fire
• Explosion
• Hail
• Lightning
• Theft
• Vandalism
• Flying Debris

Typically, you can get full coverage for roof repair if your roof was brand new or if the specific cause of the damage was included in the coverage. Depending on the extent of damage to your roof, your homeowners’ insurance may also provide a full roofing replacement. However, your insurance adjuster will inspect your roof and determine what work is required.

To file an insurance claim for your roof repair, you first need to contact a trusted local roofer to inspect the roof and provide an estimate on the cost of repairs.

When Insurance Doesn’t Cover Roof Repair

Insurance companies look at several things when considering claims for roof repair. First, the age of your roof will determine whether or not your claim will be approved. Typically, your insurer will deny coverage for older roofs nearing the end of their lifespans. Other reasons your homeowners’ insurance may not cover a roof repair include:

Condition of roof: If the roof was neglected and in need of repairs, your insurer may decline the claim.

Cause of damage: Insurance companies will not cover roof damage caused by regular wear and tear or lack of maintenance. The cause of the damage must be sudden, accidental or unexpected. Storms, hurricanes, fires, and vandalism often fall into this category.

Working With an Experienced Roofing Contractor!

Whether or not to file a homeowners’ insurance claim depends on the magnitude of damage, cause of damage, and the size of your deductible. Hiring the right roofer will give you an advocate in your corner. Contact Exteriors Plus to learn more about roof repairs in the Akron, Canton and Cleveland areas.
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