Finding out the answer to this question post haste could save you thousands of dollars in out-of-pocket expenses for roof repair. The best way to determine if roof repair and installation is covered in your homeowner’s or business insurance policy is to contact your insurance provider directly.
Many property insurance policies will offer coverage depending on where you live, the age of your roof, and a number of other specific factors that may be written into policy riders.
As a homeowner, you can expect basic insurance coverage for roof damage caused by unpreventable circumstances, including fire and vandalism. Other natural disasters categorized as Acts of God, like tornadoes and hurricanes, may be included in a policy’s coverage.
In most cases, you will find that rain, wind, and hail are covered in a property insurance policy.
But not so fast…
The amount of reimbursement you receive after damage has occurred will depend on the specifics of your insurance policy. You may also find that if your roof is covered against outside damage, other exterior property may be included for replacement, like gutters and siding.
Many insurance policies focus heavily on the age of your roof. If your roof has been replaced within the past 10 years, an insurance policy may cover the full cost of repair or replacement to compensate for any damages. If your roof is older than 10 years, your reimbursement may be limited to a depreciated value of the actual damages.
Now that you understand how to protect your roof from outside damage, it’s time to move onto a topic you’re bound to enjoy – roofing upgrades. In the next chapter, you’ll learn more advanced techniques in roof installation, including how to mount solar panels and install a skylight.