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Will My Insurance Cover a New Roof?

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Your roof is an essential part of your house. It protects you and your family from the elements. Roof repair and roof replacement aren’t cheap, so you will want to know if it’s covered by your homeowners’ insurance if an unfortunate accident or catastrophic weather occurs. When it comes to roof damage, the lines can get blurry and that leaves you unsure if it will be covered by your insurance provider.

How Roof Coverage Works

Of all the parts of your home, your roof has the most exposure to the elements. Not only can Mother Nature cause direct damage to your roof, but she can also wreak havoc on your roof — like a violent windstorm that causes a tree to fall on your roof. She can also cause things like wildfires or other natural phenomena that can indirectly damage your roof. Additionally, man-made objects have the potential to damage your roof. 

Since your roof is an integral part of your home, your homeowners’ insurance will typically cover the costs of a new roof should it become destroyed due to certain events. However, you will likely need to pay a deductible before your coverage kicks in. However, there are a few instances where homeowners insurance will not cover the cost to repair or replace your roof.

Does Insurance Cover Roof Leaks?

If your roof starts to leak, in most cases, your homeowners’ insurance will cover the costs to repair it if the leak is caused by a circumstance that’s covered in your policy. The damage would also have to be sudden. Damage that has accumulated over time is often denied coverage when a claim is filed. 

Special Considerations for Roof Coverage

Your roof will likely always be covered in the event of a dramatic event that causes drastic damage. More problematic instances are when damages are less dramatic. For example, if your roof loses a few shingles as a result of a storm, insurance providers may not cover the cost to repair your roof since they may consider that cosmetic damage. Check with your insurance provider before a major storm hits to see what is covered. 

Did Your Roof Get Damaged?

If your roof has been damaged, look no further than The Home Wise Pros to replace it. We specialize in Maryland roof replacement, offer free consultations and estimates, and work quickly to have your roof replaced. Contact us today to schedule a consultation.