How Does Home Insurance Cover Roof Damage?

​The roof is one of the most important parts of your home because it protects the occupants from direct exposure to the elements. Depending on your region, your roof is at risk of getting damaged by snow, hail, tornadoes, and cyclones.  Repairing or replacing your roof can be expensive when done out of pocket. 

But it is not only the forces of nature that can damage your roof. Typhoons and tornadoes can also uproot trees which could fall on your roof. It could also cause something to crash on your roof, like flying debris and others. For this reason, you could ask yourself if your homeowners’ insurance would cover roof damage or replacement. 

Will My Insurance Provider Cover The Cost of Roof Damage & Replacement? 
The good news is that your homeowners’ insurance policy may cover repairs or replacement of any structure in your house, including the roof. If it was damaged by any covered peril like fire, wind, or hail, you could apply for a claim for roof damage. Of course, you will have to pay your deductible before being covered. 

However, purchasing a separate windstorm or hurricane insurance policy will be best if you live in high-risk states often tormented by hail storms or hurricanes. This will give you a higher degree of coverage. The amount of coverage is subject to the coverage limit of your policy. 

What Roof Damage Will Not Be Covered? 
It is worth noting that homeowners’ insurance can’t cover all roof damage. For instance, your policy will not usually cover damage caused by a lack of maintenance or wear and tear. Homeowners’ insurance may usually cover sudden repair and accidental damage costs. If upon inspection it was deemed that maintenance was to blame for the damage, most likely, your provider will not pay for the roof damage. 

Homeowners’ insurance will not cover another instance of roof damage if it is considered cosmetic. For example, if your roof has developed leaks. Even if it was caused by rain, your insurance provider might classify it as wear and tear. They may say that it shows the gradual degradation of your roof, which insurance companies do not always cover. 

Lastly, water damage due to the leaking roof to your walls, floors, or furniture would be covered as part of the all-perils coverage of your policy. However, the cost of the repair itself will not be. So consult your insurance provider about roof damage coverage. 

Get Peace of Mind From Roof Damage 
Roof damage is not always a pretty sight. A damaged roof increases the exposure of your family members and the contents of your house to natural elements. Check with your insurance company about your coverage for roof damage.
 
At Arnold Insurance Agency, LLC, we do our best to make sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (318) 965-5953 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!