Roofing is one of the most critical aspects of your home. It protects you from the elements and provides insulation against heat and cold. It can be a major headache when something goes wrong with your roof. That’s why it’s important to know what damage is covered by your homeowner’s insurance policy.

Did you know that your homeowner’s insurance policy may not cover the cost of all types of roof damage? Most policies will cover damage caused by severe weather, such as high winds or hail. They may also cover damage caused by fire, the weight of ice or snow, and falling trees. However, some types of damage are not typically covered by homeowners insurance. Here are some of the items covered by your homeowner’s insurance policy;

Severe weather.

Weather is one of the most common causes of roof damage. High winds can cause shingles to blow off, and hail can break them. If your roof is damaged by severe weather, your insurance policy will likely cover the cost of repairs.

Fire damage.

Accidental fires are one of the most common causes of roof damage. The extent of the damage will determine whether or not your insurance company will pay for repairs. If the fire damage is severe, they will likely cover the cost. However, if the fire was caused by your negligence, your insurance policy may not cover the cost of repairs.

Falling trees.

Falling trees and other debris can cause severe damage to your roof. These could include falling limbs, broken branches, and even whole trees. Your insurance company will likely pay for the repairs if the tree is on your property. However, if the tree was on your neighbor’s property, they may be responsible for the cost of repairs.

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Wind and hail damage.

Wind and hail are two of the most common causes of roof damage. High winds can cause shingles to blow off, and hail can break them. If your roof is damaged by severe weather, your insurance policy will likely cover the cost of repairs.

Vandalism.

Even though theft is rare, it does happen. And when it does, it can be costly to repair the damage. If your home is vandalized and your roof is damaged, your insurance policy will likely cover the cost of repairs.

While these are some of the most common types of roof damage, there are many other potential causes. If you are unsure whether your insurance policy will cover the cost of repairs, it’s essential to contact your insurer. They can help you understand your coverage and what to expect if you need to file a claim.

Why is your roof damage claim denied?

Some types of damage are not typically covered by homeowners insurance. These include;

Negligence and low maintenance.

Homeowner’s insurance does not typically cover roof damage resulting from negligence or low maintenance. This includes damage caused by leaks that have gone unrepaired, rotor, and missing shingles. If you fail to maintain your roof in good condition, your insurer may deny your claim.

Normal wear and tear.

Every homeowner is responsible for maintaining their home in good condition. This includes repairing or replacing damaged parts of the house, such as the roof. Over time, all homes will experience normal wear and tear. This is not typically covered by homeowners insurance.

Water damage.

Water damage is one of the most common reasons for denied claims. This includes damage from leaks, floods, and sewage backups. Water damage is typically not covered by homeowners insurance unless it is the result of a covered event, such as severe weather.

A good rule of thumb is that if the damage was caused by something beyond your control, such as severe weather, your insurance company would likely cover the cost of repairs. However, if the damage was caused by your negligence, they may deny your claim. If you are unsure whether your insurance policy will cover the cost of repairs, it’s essential to contact your insurer. They can help you understand your coverage and what to expect if you need to file a claim.

A professional San Antonio roofer.

While finding the right insurance company to compensate you for roof damage, you will also need to find a reputable roofing contractor to make the repairs. A professional roofer will have the experience and skills necessary to fix your roof correctly. They will also be familiar with the insurance claims process and can help you get the compensation you deserve.

At Shield Roofing, we are a team of experienced and certified roofers in San Antonio, TX. If you have suffered roof damage, we can help. We will work with your insurance company to get the compensation you deserve and make the necessary repairs. Contact us today for a free consultation.