Leaks are a familiar roofing problem for many homeowners. Once you notice a drip from the ceiling, make sure to call your insurance company immediately. But there are cases where your homeowner’s insurance may refuse to cover the leak repair – and that’s because the cause of the problem is roof wear and tear.
The Reason Your Insurance Won’t Pay for It
Thanks to their exposure to the elements, roofing systems take a bit of damage everyday. Any leaks caused by this won’t be covered by your homeowner’s insurance since wear and tear is a part of the roof’s normal aging process. Not only that, leaks resulting from wear and tear usually happen only when the roofing system is incorrectly maintained. The fact is that insurance providers view roof maintenance as the homeowner’s responsibility. When regular inspection and maintenance are overlooked, any damage caused by roof wear and tear is excluded from coverage.
What Does Homeowner Insurance Cover?
Your insurance may pay for roof repair if the reason is a covered peril. That’s why, if the system has been damaged during a major weather event, the roof storm repair may be covered by your homeowner’s insurance, minus the deductible. In cases where the leak has reached your home’s interior, causing damage to its contents, the personal property coverage in the policy may help pay for their repair or replacement. You should know, however, that insurance policies usually don’t include coverage for hail and wind damage. These have to be bought separately.
What’s Your Next Step?
Once you’ve checked that the roof damage is actually covered by your homeowner’s insurance, your next step would be to turn to a premier roofing company like Ritco Group. We won’t just repair or restore your roof to its pre-loss condition; we’ll also help you navigate the insurance claims process. Our experience working with different insurance providers over the years makes getting the fair coverage you need much easier.
Request a Roofing Quote
Ritco Group is the premier expert in commercial roofing installation. But if you need roof storm damage repair and insurance claims assistance, we can help you with them as well. We proudly serve the areas in and around Murfreesboro, Brentwood and Columbia, TN. Call us today at (931) 381-0175, or fill out this contact form to schedule your consultation.