No matter how much you take care of your roof, there will come a time when your roofing system will fail due to natural causes. However, they can also get damaged from the elements. To minimize your losses, it’s important to get comprehensive coverage from your insurance provider. It’s also imperative to understand what’s in the policy to see if it’s worth filing a roofing insurance claim.
What Your Homeowner’s Insurance Can Cover
In most cases, your homeowner’s insurance policy will cover the entire home, including the roof. If it has sustained damage from the elements, the coverage will be calculated based on the roof’s age, along with your policy. The dwelling coverage, for example, will cover the cost of your roof repairs after it has been damaged by debris, such as hail or tree branches. You can also opt for personal property coverage to help pay for your damaged valuables.
Your roofing contractor will tell you that you should know what the covered perils are. A peril is what causes damage or loss. A few examples include theft, fire or weather elements. There are two types of perils, named perils and all perils. Named perils specifically dictates what’s covered in your insurance policy while the latter enumerates what won’t be covered. This is why it’s important to thoroughly read through your insurance policy to see some exclusions.
What Your Home Insurance Policy Won’t Cover
Majority of homeowner’s insurance policies can help pay for emergency roofing damage. However, they won’t cover damage due to negligence or natural wear and tear. Your insurance adjuster can easily see if this is the case since roof maintenance is a homeowner’s responsibility. To avoid this, make sure that you conduct regular inspections, maintenance and repairs as necessary.
Goodrich Roofing is the expert to trust for all your roofing restoration needs. Whether you’re dealing with hail or wind damage, you can count on us to restore your home to its former glory. To learn more about what we can do for you, simply give us a call at (505) 884-0662, or fill out our contact form. Ask us for a FREE quote today! We serve Albuquerque and the surrounding communities.