Many homeowners invest in insurance for their roofing system as a preemptive measure in the event of damage caused by fire, tornadoes, hailstorms and much more. However, your insurance may not be able to cover certain types of roof damage. This includes damage claims you make that turn out to be due to wear and tear.
For this reason, Arrowhead Roofing, known for quality DECRA® roofing installation services, explains why wear and tear cannot be covered by your insurance. In this article, we also include what types of roof damage your insurance policy is likely to cover.
What Does Wear and Tear Mean?
Over time, your roof will experience wear and tear as natural elements take their toll. This may include roof leaks, slow leaking pipes and mechanical breakdowns of appliances. In most cases, wear and tear is caused by poor upkeep or natural damage. Thus, your roof may suffer from inevitable wear and tear if it’s not properly maintained.
When you adopt an insurance policy, there’s an agreement that binds you and your insurer. It’s important to note that the purpose of insurance is to protect your roofing system from unexpected damage. As such, wear and tear will not be covered by your insurance. This is because some insurers believe that eventual roof damage can be avoided if homeowners perform regular roof maintenance.
How Can You Prevent Claims From Getting Denied?
To avoid having insurance claims denied, you must regularly maintain your roof. If you notice an issue, no matter how big or small, be sure to have it addressed as soon as possible and report it to your insurance agent. Even if it’s not covered at the moment, it’s still important to perform the necessary roof repair or replacement. Small repairs may seem like a burden at first, but in the event of more severe roofing damage in the future, you may face a bigger repair bill if your claim is denied due to evidence of wear and tear.
What Other Types of Roof Damage Can Your Insurance Cover?
In the event of an unexpected loss, your insurance will be able to cover the damage. The dwelling coverage in a homeowners insurance policy protects your home’s structure. Most commonly covered perils include fire, wind and hail damage. For instance, if your roof requires repairs after a tree falls on it during a strong windstorm, your dwelling coverage can cover the cost. Additionally, personal property coverage can help repair or replace the contents of your home should they be damaged as well.
If the roof of your shed was also affected by the same storm, it can be covered by your insurance as long as the damage was caused by a covered peril. Coverage can be provided on an “all perils” or “named perils” basis. “All perils” policies list what’s excluded from coverage, while “named perils” policies include what’s covered by the policy. So if your insurance policy has windstorm exclusions, the damage caused by that peril won’t be covered. Thus, it’s important to review your policy carefully and thoroughly.
To ensure that your insurance investment is worth it, make certain to perform regular roof inspections at least twice a year. For quality roof maintenance, get in touch with our pros at Arrowhead Roofing. We offer flat roof repair services and more. Call us today at (918) 743-9257 or fill out our contact form to schedule an appointment.