What Roof Repairs Are Covered By Insurance?
One of the trickiest parts of being a homeowner is trying to navigate the world of insurance.
What is covered and what isn’t covered can depend on a number of different things from what kind of insurance you have, to who you have the insurance with.
Roof repairs in particular can be a big point of contention for many insurance companies, with hardly any of them willing to give you a cut and dry answer on the situation until you have a problem that needs fixing.
Here at Stormguard, we regularly contribute to home assessments for insurance quote purposes, and over the years we have become very familiar with the sorts of factors that are taken into consideration.
Here are some things that are always brought up when trying to claim roof insurance.
- Cause Of Damage
One of the main considerations is what actually the original cause of damage was. Most insurance companies will not cover for damage caused by regular wear and tear, but things like accidental fire and natural disasters usually come under the remit for cover.
Other factors that are outside of your control like vandalism are also likely to be covered. It is always worth asking your insurance company so you know exactly where you stand.
- Condition of Roof
You are likely to get much better insurance cover if you can prove that you are a homeowner who is committed to taking good care of your roof.
If it is ten years old or more and still in relatively good condition, you will most likely get much better insurance coverage than somebody who has claimed multiple times already for their roof.
- Age Of Roof
The age of your roof and property in general is always going to be a big factor when it comes to the level at which insurance companies set your premium and choose to handle any claim.
In general building terms, a roof that is less than ten years old is considered fairly new, and this will have a bearing on the kind of insurance fees that you are asked to pay.
So, if you think that you need some help with your roof insurance claim, then please don’t hesitate to get in touch with us.
We provide a professional and thorough service that won’t leave any stone unturned. A member of the team will always be on hand to answer any pressing questions that you might have.
If you liked what you read, read our previous blog on signs to replace your roof.