Your homeowner’s insurance isn’t intended to cover the expense of routine roof maintenance; rather, it’s intended to cover one-time calamities such as a storm, fire, flood, or theft.
Wear and tear are defined by insurers as the steady deterioration of a product as a result of normal use. Wear and tear are generally specified as an exclusion because insurance is designed to cover unexpected or unforeseen situations.
Fields Roof Service, a premier commercial roofer, goes into greater detail on why wear and tear aren’t covered by home insurance and what repairs are reimbursed.
Why Doesn’t Insurance Cover Wear and Tear?
Normal wear and tear are not included in protecting your home from unexpected events. Despite the fact that buildings insurance covers fire, a roof leak that hasn’t been properly managed is not. As a general rule, homeowners insurance does not cover damages to your home or its contents if you neglect to maintain them over time, as this is a regular occurrence.
Wear and tear on roofing is expected to occur over time, which means your insurance company will not cover the costs. If you want to keep your home in good condition, you’ll have to pay for regular upkeep. Even if a modified bitumen roof is well-maintained by experts, the aging process will still be slowed down. Only in the event of a natural disaster, such as extreme weather, would roof installation services be covered.
What Repairs Are Covered by Your Insurance?
The vast majority of the time, your homeowner’s insurance will cover damage to your roof caused by unanticipated events. Natural disasters like windstorms and hurricanes are among the most common examples of this type of event. Damage to a roof caused by falling trees or wind-blown debris is frequently covered by homeowners insurance. However, there are exclusions to insurance coverage for damage caused by wind and hail.
Check your policy’s tiny print to be sure you’re covered for everything. In order to incorporate hail and wind damage coverage in your insurance, you must purchase an add-on. Once you’ve filed a claim, you’ll need to know how to handle the roof insurance claims process.
Fields Roof Service is the premier commercial roof service company that offers roof replacement, repair, and maintenance with unmatched craftsmanship and customer service. Call us today at (253) 881-8612 or fill out this contact form to schedule your roof evaluation.