Is Roof Repair Covered by Insurance?

Many homeowners facing potential roof issues or damage wonder if their insurance covers needed repairs. In short, your roof repairs may be covered by insurance, but it depends on your homeowner’s insurance and the type of damage. It can be a complex situation to navigate, but here at American Mastercraft, we strive to help you in any way we can. Let’s explore some of the factors that will determine whether your repairs are covered.

Choosing the Right Homeowner’s Insurance

Not all home insurance policies are equal and when it comes to homeowners insurance, it is not one-size-fits-all. It is important to consider factors like deductibles, covered incidences, and your policy’s liability limit to ensure your home is fully protected. Choosing the right plan for your home’s location can mean the difference between roof repairs being covered and you being left paying out of pocket for a new roof. Some common environmental factors you should take into account when looking at homeowner’s insurance plans include:

• How much annual snowfall you receive
• The possibility of tornadoes or hurricanes in your area
• Age of your current roof
• Location and age of trees around your home

Those living in areas with a high probability of roof damage caused by inclement weather, such as high winds or hurricanes, may need to purchase additional insurance plans to cover roof damage caused by these events.

What Type of Roof Repairs are Covered by Insurance?

Determining whether your needed roof repairs are covered by insurance can vary depending on your policy and the age of your roof. Insurance often does not cover repairs or replacement for roofs over 20 years old, damage due to neglect, or general maintenance. Keeping a roof in proper working condition is considered the homeowner’s responsibility. Working with a certified roof contractor will help keep your roof in top condition.

Most insurance policies cover damages caused by “Acts of God.” These acts typically include trees falling on your roof, storm damage, wildfires, and other damages that could not have been prevented or foreseen. Insurance may also cover repairs for sudden accidental damage. If damage has occurred, it is important to document any damage and contact your insurance company immediately. 

Tips to Ensure Insurance Covers Your Roof Repair

Repairing or replacing a roof without insurance can be costly. It is important to understand what your policy covers and, if needed, purchase additional insurance to ensure your roof is fully protected. Following these tips will help increase the likelihood that any roof damage is covered.  

• Routinely inspect and maintain your roof to ensure it is in optimal condition.
• Clear your roof of debris like tree limbs, leaves, and moss.
• Call your insurance for an inspection after any damage.
• Before an insurance agent comes to inspect your home, gather essential documents pertaining to your roof, such as your insurance policy, roof repairs, inspections, and any previous repairs.
• Take extensive pictures of your roof before and after damage has occurred.

Protect Your Home with American Mastercraft

Your roof protects your home and family from the elements, which makes taking care of your roof and ensuring it is in optimal condition vital. At American Mastercraft, we have been proudly sheltering our neighbors in Vancouver WA and the Portland OR metro area for over 30s. Our highly trained and skilled professionals will ensure your roof stands strong against the elements. Whether you need an inspection, repairs, or replacement, we have you covered. 

To get a free quote on your roofing project, contact the roofing experts at American Mastercraft today!