roof replacement

Will Homeowners Insurance Cover A New Roof?

Roof damage can cause a number of problems, including leaks, loss of heat, and even pest infestations. Fortunately, homeowners insurance does cover your roof and the cost of replacing it if it gets damaged by adverse events. There are some exceptions, though. To learn whether homeowner’s insurance will cover a new roof for your home, continue reading. 

What Is Homeowners Insurance?

Homeowners insurance is a type of insurance that protects your home. This type of coverage will pay for damages if your home is damaged or burglarized. It will also protect you from personal liability if someone is harmed on your property. To keep a homeowners insurance policy working, you must pay premiums regularly. 

How Does Roof Coverage Work?

Homeowners insurance does cover your roof. Though, you’re usually only covered if the damage results from a sudden accident or act of nature. If your roof is damaged due to general wear and tear, you will not be eligible for reimbursement through your insurance. This is because general maintenance is considered to be the responsibility of the homeowner. 

To have damage to your roof covered, it must be caused by direct exposure to the elements, a natural disaster, or another accident, such as damage from an explosion or aircraft. Depending on the damage, you may qualify to receive a total or partial replacement of your roof. 

Do I Pay For Roof Repairs?

If your roof was damaged by a covered peril, you won’t be liable for the damage. Though, you will need to pay your deductible before your coverage kicks in. If you are in a high-risk state, deductibles may be higher than in other states. This is especially true if you are required to purchase additional coverage to protect you from windstorms and hurricanes. 

Prevent Roof Problems

A roofing issue can be troublesome, so take steps to avoid damage. Make an effort to properly care for and maintain your roof to extend its lifespan. You can also hire inspectors to check your roof for problems that can be taken care of to make the roof last longer. 

Find Homeowners Insurance

If you are worried about roof damage, get protected with a homeowners insurance policy. You can call SBHS today to get started with a free quote.