Residential roofing systems are more likely to last long with proper installation and maintenance. Aside from ensuring your humble abode stays protected from the elements, routine care also increases the chances of your insurance claim being approved. Meanwhile, neglecting this part of your home can cause your insurer to refuse your claim.
Continue reading to learn why insurance providers don’t cover roof damage due to wear and tear.
Negligence is one of the most common reasons roofs suffer damage or fail early. If the damage occurs because you failed to maintain your roof, your insurer may refuse to cover your repairs or replacement. As a homeowner, it is your responsibility to take proper care of your roof and prevent damage.
Once your insurer discovers that your roof is deteriorating because it did not receive maintenance, the company will likely turn down your claim. Wear and tear exclusions are made to protect insurance companies from being held liable for damage caused by a homeowner’s failure to maintain, repair and replace a compromised roof.
Usually, homeowners insurance covers the structure of your home, including the roof. After a weather event or an unexpected incident, you can file a claim to help cover roof repair costs. Your coverage depends on the age of your roof and the kind of policy you have. Even the roof of a detached structure, such as a garage or shed, may also be covered as long as it is included in your policy.
If your roof leaks because of poor maintenance, your insurer won’t pay for the damage. However, if the issue happens due to a covered peril like hail, wind or fire, your policy may cover the repairs for the leak. Still, keep in mind that not all policies have windstorms and hail inclusions. Be sure to carefully read your policy to determine what your insurer will and won’t pay for.
Working with a reliable roofer can help prolong the life of your roof. For superior roof replacement and maintenance services, choose Ben’s Construction Inc. Call us at (508) 962-2417, or fill out our contact form to get a free quote.
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