The roof on your house helps to keep outside elements out of your home. However, when it is damaged or in poor condition, water may seep into your home, causing substantial amounts of damage. Unfortunately, roof repairs or re-roofing your home can be costly. Fortunately, sometimes these repairs may be covered by your home insurance. Here is some information on what types of damage may be covered and what types may not be covered by your home insurance policy.
When Roof Damage is Covered
Generally speaking, if something caused damage to your roof other than regular wear and tear, your home insurance will pick up the damage. For example, if a hail storm damaged your roof, home insurance will pick it up. Or if strong wind gusts suddenly blew a large number of shingles off your roof, your home insurance will likely pay for the repairs or for a new roof, if warranted.
When Roof Damage is Not Covered
Home insurance will generally not pay to repair or replace roofs that need work due to normal wear and tear. Most roofs only last about 20 to 30 years when properly cared for. During this time period, regular exposure to rain and sunlight may wear shingles or tiles down or cause a couple here or there to be damaged. When this occurs or when your roof has reached the end of its lifespan, home insurance typically won’t make the repairs or pay for the new roof.
When you are shopping around for home insurance, it is important that you understand what is and is not included in the policy. This helps ensure your policy best fits your needs. Here at AFI Insurance, serving the greater Denver, CO area, we sit down with our customers and go over their policy, helping to ensure they have a full understanding of it. If you are in the market for a new policy, let us help you. Contact us today to set up an appointment to get started.
When you hear about Denver, CO, one might think of snowfall; the arid conditions actually bring only 8 to 15 inches of annual precipitation, which it gives residents over 300 days of sunshine a year. The average temperature is 45 degree Fahrenheit and the mountains remain snowcapped throughout winter. Because it is sunny so much in Denver the snow spells rarely last more than two day, which can create water damage from the melting snow.
Winter in Denver, CO can be a fun time for skiing and snowboarding, but it can be hard on one’s home. That’s why there are special precautions that should be taken to prepare one’s home for winter weather. The first thing that can be done is to make sure your heating system is working properly and if it is in need of a tune up. Another easy tip is to switch your ceiling fan in reverse. That may seem silly, but it can help when you turn on your heat because it will produce an updraft and push down the heat. Next, check your roof for missing or broken shingles because the melting snow can get heavy and may leak during a winter storm. This is why having homeowners insurance that covers roof leaks in the Denver, CO area is so important. You can also caulk in the window frames and door frames and gaps between the sidings. Silicon’s caulk is best for harsh exteriors because it won’t shrink and is impervious to the winter elements. Cleaning your gutters that are full of detritus can back up water which can then damage the roofing, siding, and even wood trim. That can even cause leaks and ice dams. These are just a few tips to deal with the winter weather in Denver, CO.
You can also caulk in the window frames and door frames and gaps between the sidings. Silicon’s caulk is best for harsh exteriors because it won’t shrink and is impervious to the winter elements. Cleaning your gutters that are full of detritus can back up water which can then damage the roofing, siding, and even wood trim. That can even cause leaks and ice dams. These are just a few tips to deal with the winter weather in Denver, CO.