What Kind of Roof Damage Will My Insurance Cover?
While it may seem like the obvious choice to cater for all roof repairs or roof replacements is through filing an insurance claim, it may not always go as you’d hoped. Here’s why: A homeowner’s insurance policy often covers catastrophic roof damages that are purely not the homeowner’s fault and cannot in any way be linked back to you as the owner. Some examples include: Roof damaged by severe weather that is harsh rains, hails and storms, and other natural disasters Accidental fires Falling trees, but not all – if you had an old overhanging tree over your roof, the insurance company will assume it’s out of neglect that the tree damaged your roof, so your claim may be denied. Damage to your home interior due to your roof being compromised – an example is if a hurricane messes your roof and further damages parts of your home, the insurance will cover that. And vandalism Instances where the insurance company will not cover your roof damage are: In case it’s a pest damage Cos...