Insurance Claims and Your Home
Home insurance companies view roofs as one of the most important parts of a home. Roofs protect homes from the elements, which also prevent home insurance claims.
If you have a damaged roof, you’re likely going to have problems within your home that will lead to more claims. With that mind, many insurers view roofs as critical. Some insurers won’t even cover your home if it has an older roof.
Some insurers refuse to renew existing homeowner insurance policies on houses with roofs older than 20 years unless they pass an inspection. Insurers won’t renew a policy that fails inspection without a roof replacement.
An insurer may cover a leaky roof. However, insurers also believe homeowners should prevent leaks and subsequent damage. It’s up to the homeowner to take the necessary precautions to maintain the property. If a leaky roof isn’t fixed properly, an insurer might not cover the damage.
In some cases, the lifespan of the roof is shortened because of damage. Your insurer may cover the cost to replace the entire roof even if it’s only partially damaged. For example, if a homeowner has asphalt shingles damaged by hail strikes, an adjuster would count how many strikes occurred in a section to determine the impact on the lifespan of the roof. If there are enough strikes, the roof lifespan is substantially impacted and it needs to be replaced.
Insurance Claims and Policies
Home insurance policies usually cover roof damage caused by fire, vandalism and “acts of God,” such as hurricanes and tornadoes. Whether they will pay for damage caused by wind, rain or hail is determined by your policy and your roof’s age.
A damaged 10-year-old roof will likely get coverage for a full replacement. A 20-year-old roof or older might only result in an insurer reimbursing you for what an older roof is worth at the time of the damage.
Because insurance companies can range so greatly, the best option is to contact your home owners insurance company and discuss these points. Be sure to get a clear understanding of the policy and the short or long term effects.
In the end, Wisconsin Roofing is and has been the leading Roofing Contractor in the Southeastern areas and we are always happy to assist with any of your questions that pertain to insurance claims.
Fastest way to our team is by using our Contact Us form. Our trained staff will respond and get you scheduled right away.
Why Wisconsin Roofing?
You can count on us to do a great job for your home. We have built a reputation on being one of Wisconsin’s premier residential roofing contractors because we are conscientious, we take the time to do things right, and we provide superior customer service.
For over 15 years, we’ve been at the forefront of residential roofing in the SE Wisconsin areas. We’ve successfully completed thousands of residential roofing jobs because of our expertise and experience. Our mission is to make your life easier by helping you get a first-rate job done in a very efficient manner.
We want your roofing project completed to the highest standards at the most affordable price. We’ve spent long hours studying all of the latest residential roofing options, and have created installation sheets that are effective, practical, and helpful for making sure you get maximum value from every single dollar we spend on your project.