A storm rips through your area. You go outside to assess the damage and your worst-case fear is a reality. A tree has fallen on your home. Perhaps it was a hailstorm, and you have suffered pretty severe roof damage. Where do you turn, and what do you do? What are your next steps? Perhaps the biggest question is, when you are faced with storm damage and roof repair, what will your insurance cover?
Homeowners insurance may cover roof damage depending upon what the cause of the damage was. Many times, homeowners insurance will help cover the cost of repairs from hail or a fallen tree. Here are a few things to consider.
What Kind of Roof Damage Is Covered?
Dwelling coverage included in homeowners insurance policies helps protect your home’s structure. That coverage includes your roof from specific causes of damage. The most commonly covered perils include fire, wind, and hail damage. In the unfortunate event that your roof is damaged by hail or a tree topples onto it during a windstorm, you may find your dwelling coverage will help cover the repair costs. How much is covered is determined by your specific policy. Additionally, if contents within your home suffer damage, your personal property coverage may help repair or replace them.
Meanwhile, if a roof to a shed or other unattached structure is damaged, you may be in luck as well. This type of damage would fall under other structure’s protection. Not every insurance policy has this, so if you have sheds or detached garages on your property, you may want to check your policy.
It’s important to keep in mind that you will likely have to pay a deductible before homeowners insurance kicks in. Your coverage limit in your policy will also apply. Review your policy to learn exactly what coverages you have, your coverage limits, and how much your deductible is.
Will Insurance Cover Leaks?
Homeowners insurance may cover a leak if it’s caused by one of the perils we discussed above. Say your roof is damaged by fire, wind, or hail, and a leak occurs due to that damage. Your policy may cover this. What your policy will not cover are leaks as a result of a lack of maintenance or general wear and tear.
Has your home recently been damaged by hail, wind, or a fallen tree? Give Bealing Roofing & Exteriors, Inc,. a call. We can work with your insurance company to facilitate the necessary repairs to get your roof looking like new!