What do you do at the onset of a roof leak? If it is in the middle of heavy rain, it is only where you can discover damages in the roof. An active leak in the roof is mostly felt during the rainy season. And as much as possible, you would do anything to stop the leak in ways you know.
Do you call your insurance provider right away? Possibly you won’t because it could be the last thing you will do once the inconvenience brought by the leak gets out of hand.
- When you notice wet spots on the walls and floors, you will search for the source of the leak.
- Once the source was found, you contain the water by placing buckets or any appropriate water stopper.
- Reach for an emergency call-out through your roofing contractor if there are serious leaks.
- Schedule for a roof repair.
- Let the roofer fix the damaged roof and discuss if it is covered by your insurance.
What damage of roof qualifies for insurance?
When hazards brought by nature wreak havoc on your roof, they will likely cause certain damage where the water starts to leak. Homeowners who know the value of their properties are keen on keeping their abode safe and sound from harm—because this is where they live and expect comfort 24 hours a day. So, the moment their roof got holes and cause leaks, they run to their roofing contractors and see if they can claim under their insurance policy regarding roof damage, basically to save money.
Harsh natural occurrences such as hail and wind may topple your roof with a strong force. Sometimes, the insurance policy covers fire damage. So if these instances cause significant damage to your roof, consult your insurance provider concerning your roof, as the company may cover the costs of repair. However, in some cases, homeowners should spend first for the repair and then process on reimbursements will take place after. Also, roof claims could only cover for the roof—obviously. If you think the possessions inside your home have been damaged, too, they could be under different insurance.
Your policy contains the limits of the coverage, making it crucial to understand your policy carefully before coming into terms with your roofing contractor. In case you have other roofs, which is not a part of your main property, that have been damaged by fallen trees brought by a heavy storm, you can check if it is covered by your home insurance.
Roof collapsed from heavy snow
Wintertime, when seen from afar, is a picturesque symbol of delight. But it is not always a wonderland during winter. Unknowingly, ice or snow can heavily damage a roof. If you can’t stand the weather outside, perhaps, your roof, too. Although the roof is built in prep from anything harsh, its integrity will fall short of expectations when the ice buildup has already put stress on its foundation. The heavier the ice, the more likely the roof will collapse.
In extreme weather like these, you should expect to have your roof covered by insurance. Yet, your insurance provider will also look into some variables that would disqualify your insurance claim. For example, the age of the roof. Pre-existing roof issues, such as damages in the gutters, fascia, and soffit, your leaky roof may be exempted from an insurance payment.
Factors excluded from insurance
Wear and tear
A regular roof inspection is an important undertaking when you want to know the real age of your roof. Before you embark on a roof repair, your building engineer will determine the extent of the roof that needs repair or replacement. Simple wear and tear due to age are not usually included in the homeowners’ insurance. Unfortunately, it is not something you can look forward to when you want to be spared for the roof repair costs.
Lack of preventive maintenance leading to the roof’s holes and leaks will not be covered. But if the case is sudden, as the holes result from punctures from hail or fallen branches of trees, homeowners insurance will likely pay for the repairs. So, when you are moving into a home that is already built and pre-owned, it is important to know the roof’s age and the policy that goes along with it so that you will be prepared as to how much protection such old roof needs.
Protect your roof and protect yourself from extra costs
The bottom line in keeping your savings and life safe is to observe roof preventive maintenance. Have a roofer inspect your home’s covering from time to time and keep the roof members, such as gutters, fascia, and soffit, from further damage. Plain negligence that results in damage is out of the question.
To further know about homeowners insurance and to see how long your roof can last, contact our staff at Birmingham Roofers. We are just a call away or a click of a button, and we’ll deliver your queries promptly.