Alans Blog Will Homeowners Insurance Cover Roof Repairs? Understanding Your Policy

Central Florida residential homeowners may not understand whether their homeowner’s insurance policy will cover roof repairs. A roof repair may not necessarily be a high-cost loss. However, many homeowners unthinkingly assume roof repairs are still indemnified, or insured. Conversely, other homeowners might surmise roof repairs aren’t insured since they don’t rise to the level of a catastrophic event.

What Roof Projects A Homeowner’s Insurance Policy Generally Covers

A homeowners (HO-1) insurance policy generally reimburses the cost, less the deductible, to repair or replace your roof if it becomes damaged due to a covered event. Destruction of the roof must result from a sudden accident or act of nature. If the roofing issue arises from general wear and tear or the normal aging process, a homeowner is not likely eligible for reimbursement for the cost of damage.

Small model house with hands held over it representing insurance coverage

Additionally, homeowners are responsible for routine maintenance and upkeep of their roofs. If they neglect to exercise reasonable care over their roofs, they could jeopardize full coverage under their HO-1 insurance policies. Homeowners should maintain clear maintenance records, including any roof repair work performed, as well as before-and-after photographs and inspection reports.

How To Know Whether Roof Repairs Are Included In An HO-1 Insurance Policy

If you review your HO-1 insurance policy, you will observe a term labeled “dwelling coverage.” That portion of your policy helps protect your home’s structure, including the roof, from particular perils or causes of damage. Fire, wind, and hail damage to your roof are generally indemnified, or covered. Within the scope of this coverage, if an otherwise healthy tree toppled and collapsed on your roof due to a windstorm, more likely than not, your insurance provider would reimburse you for the cost of repairing or replacing your roof.

To understand whether a specific roof repair is covered under your HO-1 insurance policy, consult your insurance agent or representative. They are responsible for helping you comprehend the details of your coverage. Remember that you likely have a deductible, which is your out-of-pocket expense of repairing or replacing your roof. Your policy also may have coverage limits. Any cost incurred to repair or replace your roof beyond the coverage limit will become your financial responsibility.

Will homeowners Insurance cover roof repairs? Insurance providers do not actively look for ways to deny coverage for damage to your roof when the cause is an unavoidable natural event because the roof is an integral part of your home’s structure – on the contrary. The dwelling coverage within a standard HO-1 insurance policy protects the homeowner from perils that would necessitate a meaningful roof repair or replacement. Keep in mind that an older roof is less likely to receive full or any coverage when it has reached the end of its life expectancy.

homeowners insurance policy with magnifying glass

Working With A Knowledgeable Roof Repair Professional In Central Florida

If your home needs a roof repair (or any roofing service), contact Central Florida’s leading roofing contractor, Alan’s Roofing.

At Alan’s Roofing, we work closely with homeowners to provide capable assistance and permanent solutions no matter what caused the roof damage. Schedule your free consultation today.