6 Types of Roof Damages Covered in a Home Insurance Claim

Home » Knowledge » 6 Types of Roof Damages Covered in a Home Insurance Claim

Roof installation is an expensive aspect of any construction project. This is why insuring your roof is crucial for covering the expenses of repairs when the damage occurs. Since your roof is the first line of defense against the harsh elements, it’s constantly exposed to the risk of damage. However, roofing insurance doesn’t always cover all damages that might affect your roof.

When choosing a homeowner insurance coverage, it’s best to settle on one that covers most of the damages that are highly likely to occur in your area. Here’s a list of six types of damages a roofing insurance covers.

Roof Leaks

Roof leaks are challenging because they only become noticeable when the damage spreads deep into the roof structure. Many homeowners only realize their roofs are leaking when signs like mold and rusted gutter start to show. A reputable roofing company like tsimpsonroofing.ca can help you inspect the roof early enough and follow up with your insurance company to process the claim promptly.

Damages By Falling Objects

A good insurance policy may cover the damages caused by objects falling on your roof. These could include tree limbs, debris, mud, and rocks from avalanches. Depending on the extent of damage and your contributory agreement, your insurance policy should cover full or partial renovation or replacement.

Storm Damage

Storms, hurricanes, high winds, and tornadoes are some of the major natural events covered by most homeowners’ insurance policies. If you live in areas that frequently experience these harsh weather conditions, it’s best to sign up for a policy that includes storm damage and other acts of nature in their coverage.

Fire Accident

Fire accidents can happen anytime, even to the most careful homeowners. Your insurance company understands this, and that’s why you’ll have this covered partially for repairs or wholly for the entire fire damage.

Insurance companies cover specific types of fire, including fire caused by lightning, explosion of domestic appliances, or any other natural cause as specified by the insurance company. So it’s important to go through the policy terms before signing the papers.

Malicious Vandalism

The acts of vandalism could sometimes extend to your roof, leaving expensive damages that qualify for insurance payment. Your home insurance company should define what qualifies as an act of vandalism and mischief in the policy statement. The most common instances of vandalism that insurers cover include broken windows, damaged roof sections, or spray-painted sidings and walls.

It’s also important to note that home insurance policies don’t cover vandalism committed by any of the insured persons in the policy. This means if your insured partner stops living in the property and later comes in an act of revenge to destroy it, the claim won’t stand if their name is still listed under the insured parties. It’s best to check what’s covered and what’s not before signing the papers.

Weight of Ice, Sleet, or Snow Damage

When winter knocks, it comes with its fair share of damage risks, such as ice, snow, or sleet that settles on your roof. To protect your roof against such risks, it’s important to consider a home insurance policy that covers these damages.

Roof damages don’t have to be challenging if you can play your insurance policy cards well. Once you understand what to include in your cover, you can rest assured that your roof and home will stand the test of natural and man-made damage threats.