Your roof protects you from natural elements such as heavy storms and wind. However, these natural elements are often the cause of your roof's demise. When lightning, wind, trees, and wildfires cause damage to your roof, you will want to get it fixed right away so that your roof can continue to do its important job of keeping you safe within your home. However, roof repairs can prove to be extremely expensive, which is why most homeowners turn to their insurance companies for help.
Below, we have outlined what will and will not be covered by your insurance company, as well as what to do when you are having trouble navigating your insurance policy.
What roof repairs will my insurance cover?
Most insurance companies and policies cover the cost of repairing the damage that poor weather conditions have caused. For example, areas like Florida are prone to storms and our homes often experience roof damage due to heavy rain and wind. In this case, your insurance policy will likely cover the cost of repairing the damage as long as the roof was well-maintained before the storm. For extra assurance and protection, you can also acquire coverage for specific situations like a windstorm.
Additional natural causes of roof damage commonly covered by insurance policies include:
- Lightning
- Fallen trees from storm
- Wildfires
- Hail
Non-storm-related roof damage will usually be covered by your insurance company unless it is a result of a neglected, unresolved issue like a leak that was not taken care of promptly. Roof damage caused by accidental house fires or a diseased tree falling over should be covered.
If your neighbor's tree falls onto your roof due to diseased or dying circumstances, your neighbor's insurance policy should cover the cost of repairs.
When will my insurance not cover my roof repair?
Very old roofs that are prone to issues and damage caused by neglect will likely not be covered by your insurance policy. The average lifespan of a roof in Florida is about 15 to 20 years. Older roofs are more vulnerable to damage and may need more extensive repairs, which will cost more for insurance companies. Because of this, roofs that are nearing their 20-year mark may not be covered by your insurance policy.
The insurance claim process is confusing, who can help me?
We understand how tedious the process of insurance claims is. Also, understanding the specifics of your policy can be challenging as there can be exceptions on different roof repairs depending on varying circumstances. That is why our experts can help you navigate your way around all these insurance mazes.
If you find yourself needing a roof repair, our team can assess the damage and then compare it to your insurance policy to find out how much of the cost will be covered. Of course, there will always be a deductible to pay, however, we will help you figure out how to get the most out of your insurance policy so that your out-of-pocket payment is as low as possible.
Call our team for roof inspections, repairs, and replacements.
Roof damage is one of the last things you want to have to deal with as a homeowner. That is why we always suggest getting regular roof inspections so that you can fix weak spots before the storms roll in! If you do find yourself dealing with roof damage or needing a complete roof replacement, we can help. We will walk you through every step of the way, including the insurance claim process.
At True Roofers, we offer emergency roof services for properties in Wesley Chapel, Florida, including Plant City and Lakeland. Call us today at 863-800-1800 and let us know how we can help. Our team is available 24/7 to cater to your roofing needs.
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