Are Your Roofing Repairs Covered by Insurance?
One of the most expensive repairs you’ll ever make in your home is a new roof. Whether it’s because your roof is just old or because you’re experiencing leaks, you never want to hear that you need a new roof.
Getting a new roof can be very expensive. Some people actually need to take out a loan to pay for it. That’s why it’s important to know ahead of time what kind of repairs are covered by your insurance.
You may have heard horror stories from people who’ve spent thousands of dollars to get their roof repaired. If you need it completely replaced, it’s going to cost a lot more than that. If it’s not covered by insurance, you may need to consider some cost-saving options.
This is where roofing professionals can be very helpful. The roofing experts at Lanier Roofing can contact your insurance company and help you figure out what your best option is.
What Does Homeowners’ Insurance Cover?
If you don’t already know what repairs are covered by your insurance, you should find out. Whether you opt for repairs or an entirely new roof may depend on your coverage. You want to make the best decision for your family.
Most homeowners’ insurance policies are very similar. It doesn’t really matter where you live. Of course, if you live in an area prone to tornados and hurricanes, you may pay more for your insurance. Or, there may be certain types of storm damage that require a whole separate policy.
Most homeowners’ policies cover two types of coverage. The first type is dwelling coverage. This ensures your home’s structure from certain types of damage. Dwelling coverage typically includes damage to your roof.
The other type of coverage is intended to cover other structures. This would include things like your garage, pool house, and sheds.
Both types of coverage usually cover damage caused by the following:
You’ll notice, all of these things are acts of nature or God. These are things that you can’t control.
The third type of coverage is personal property coverage. This insurance actually covers the contents of your home.
So, imagine there’s a terrible storm in your area. Trees crash down onto the roof of your house. They also crash on top of your detached garage. As a result, you need repairs to your roof and the garage. And, since the trees broke through your attic windows too, you suffered damage to the antiques you keep stored in your attic.
This type of storm would require all three types of coverage.
Does Insurance Cover Roof Leaks?
One question a lot of homeowners have is whether or not their insurance covers roof leaks. The general rule is that insurance will only cover leaks if they’re caused by covered perils. So, if fire, wind or hail causes the leaks, then they may be covered by your homeowners’ insurance.
Your insurance will not cover things caused by maintenance issues or lack of repairs. Nor will it cover things caused by the age of your roof. So, general wear and tear is typically not going to be covered by your insurance.
This is why it’s important that you have someone from a local roofing company, like Lanier Roofing, inspect your roof from time to time. They can let you know what sort of issues you’re experiencing. They can make the necessary repairs over time to prevent major damage.
As long as you make repairs as needed, you should be able to go through your home’s lifetime without any serious or major repairs. Now, keep in mind, your roof won’t last forever. At some point, you may need to replace your roof entirely. This is just something that happens to an old roof.
Contact a Roofing Professional at Lanier Roofing in Greenville, South Carolina
If it’s been a while since you’ve had your roof inspected, you need to call a roofing expert at Lanier Roofing in Greenville. They can come out and let you know what sorts of repairs you need.
If the time comes when you need to replace your roof, talk to Lanier Roofing and find out what your options are. You may be able to buy some time with some repairs.
If you need repairs due to storm damage, you should speak with someone at your insurance company. You may find out that your repairs are covered by your policy. Talk to the friendly staff at Lanier and let them answer any questions you may have.