Repairing a new roof can be time-consuming and expensive, so it’s important to know whether or not your insurance company will cover the cost. The best way to know for sure, of course, is to call your insurance company and ask them directly. Or, better yet, if you’re just about to change or renew your home insurance policy, ask about roofing repairs and roof replacement to get the best cover.
Does insurance cover repairs?
The simple answer to the question posed in this article’s title is this: it depends. Insurance companies consider lots when deciding whether your policy will cover your claim or not. However, as a general rule, insurance companies do not cover the costs of a roofing repair if the damage is due to wear and tear. They will, however, cover the costs of repair for the following reasons:
Damage caused by natural disasters
Insurance companies usually cover roof repairs if the damage is a result of natural disasters, such as storms, high winds, strong winds, hurricanes, tornadoes, and so on. These causes of roof damage cannot be controlled by anybody, and will often result in significant roofing damage that can be expensive to cover.
For your insurance company to reimburse you for the expenses incurred during your roofing repair, you’ll need to provide proof of the disaster that happened.
Although this is a general rule, it’s important to check with your insurance company, as some policies specify which natural disasters they’ll cover. For example, it’s possible that your policy will cover the costs of damages caused by storms, but will not cover costs if the damages were caused only by strong winds.
Damage caused by outside elements
Another time insurance companies will pay for roofing repairs is when damage is caused by outside elements, such as fires. Of course, you’ll need to prove that the outside elements were outside of your control and that they weren’t your fault.
In the case of repairs or replacements, the insurance company would have to consider other factors to assess how much of the total costs they will cover. In some cases, the insurer will pay for everything, but more often than not they’ll only cover part of the repair costs.
Damage caused by other people
You can also claim your insurance for roofing damage caused by other people, as a result of vandalism, when people cause harm to your property, for example. Once again, this damage has to be proven before a claim will be granted, and there’s no guarantee that you’ll be covered for the full cost of roof repairs or roof replacement.
Other factors to consider
As well as the cause of the damage, insurance companies take other factors into consideration when determining whether or not to pay out on your claim. One these factors is the age of your roof and the condition it was in before the damage was done. And that makes sense – the older your roof is, the less they’ll cover, as the condition of your roof will determine the “value” of the damage.
Insurance companies do cover the cost of roof repairs, but it will depend on the nature of your claim and whether or not you are to blame. If you want to know whether your policy will cover your roof, call your insurance company, or feel free to get in touch with Findley Roofing & Building Yorkshire for more information.