Will Homeowners Insurance Cover Roof Damage?

Arguably, the roof protecting your home is one of the most important parts of your house. When your home's roof is damaged, you may count on your insurance company to step in and help. Exactly how much can you expect from your homeowners insurance company in the event that a storm destroys your roof? Here's what you need to know.

You Need to Know Your Policy

You expect your homeowners insurance to cover you in the wake of an unexpected incident, including a major storm or disaster. While you may have certain expectations, you will need to understand the type of policy you have to know what kind of coverage your roof will provide.

One of the biggest factors that might impact the money you get back for your roof includes whether you have coverage that includes actual cash value or replacement cost value. This will impact the value of the money you receive to cover roof costs.

Check the Specifics for Your Home

The material your roof is made of also makes a difference because each type of roof has a different lifespan. Check with your insurance company to determine how long they deem the roof will last.

You should also consider whether or not your roof has a warranty. This will impact the way your insurance company responds to your roofing concerns.

You'll also need to check the specifics of your region. For example, you may learn that some parts of the country are more prone to storm damage, so insurance may not have the same coverage for homes in those regions.

When Homeowners Insurance Does Not Step In

One of the first things you need to know is that your insurance will not step in to provide roof repairs if the roof was simply old or ill-maintained. You need to ensure that you are having regular roof inspections so that you know insurance will take care of your roof.

Have the Right Insurance Company

It is also important that you have the best insurance company supporting you. You can check your coverage by speaking with a representative and asking for more information about specific circumstances that you think could befall your home. Your company should be willing to discuss these matters based on your roof's materials and age.

Contact Your Homeowners Insurance Company

Your homeowners insurance policy should work for you, but it can be difficult to determine what kind of insurance you need. It is important that you consult with a professional to learn more about your insurance coverage to know what your policy will include.

For more information, contact a homeowners insurance company near you.