When is a Damaged Roof Covered By Home Insurance?

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.