When facing roof repair, the price can seem daunting. You may wonder if your homeowner’s policy would be willing to help at least offset those out-of-pocket costs. It can be complicated to ask if your roof repairs are covered by your insurance policy, but there are some criteria you can investigate to know the likelihood of getting that financial assistance.
What Roof Damage Is Covered by Insurance?
Insurance companies have various criteria when it comes to deciding whether to cover something and navigating pages of policy paperwork can be daunting for the average homeowner. It’s a rule of thumb, though, that roof repair is mostly covered when a specific event led to the damage such as:
- Hail
- Lightning
- Tree fall
- Water damage directly related to a storm
- Fire damage
- Vandalism by a third-party
- Other accidents and falling objects (such as with constructions, planes, and drones)
What Roof Repairs Are Unlikely to be Covered?
So, what roof repair services are not covered by your insurance policy? Some examples of damage that would not be covered by your home insurance include:
- A roof past its warranty or too old for repairs to be efficient
- Poor care – Roofs should be maintained by professionals to maintain quality
- Preventable damages like continued leaks and critter damage
- Accidents resulting from negligence such as attempted DIY repair
- Improperly installed roofs
Call Your Local Cincinnati Roofers
At the first sign of a roofing repair need, be sure to make a phone call to a roofer and your insurance. Division 1 Roofing has a team of trained and certified roof technicians ready to help you with any roofing services including repair. We even work with commercial tarping and custom shingle design. Contact us today for a consultation, quote, or roof inspection.
