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Roof Repairs – What Will Your Home Insurance Cover?

Storm Damage Roof

A well-built roof will protect your home and should last for many years. However, leaks and cracks do still occur, and you’ll need to schedule prompt roof repairs to fix those problems. There are some occasions where your home insurance will cover the cost, but only in specific circumstances. We’ve put together a short guide to help you determine what your insurance will cover, and what you’ll have to pay for. We’ll also let you know how to make sure that you’re ready to make an insurance claim with the right evidence and information about your roof.

It’s pretty rare for roof repairs and replacements to be covered by insurance in full. Unless your roof is brand new or otherwise in extremely good condition, you should expect to be funding at least part of the costs of your roof repairs.

Wear & Tear

Most areas of property maintenance will succumb to wear and tear damage after some time. Your roof is no exception. Each insurer will have its own definition of what wear and tear damage is, but they are usually very similar.

Damaged Roof Wear And Tear Roof Damage

Wear and tear can also impact the payout that you get, even if the damage is caused by an insured event. For example, if your roof is more than 15 years old and you claim on your insurance for roof repairs as a result of extreme weather damage, your claim might be reduced.

Poor Maintenance

Many people neglect roof maintenance. However, it’s recommended that you get your roof inspected at least once a year by an expert. This means that any issues should be caught before they become major problems. It’s a good idea to book this in the summer or early autumn, so you can be confident that your roof will survive the more extreme weather conditions of winter.

If you allow your roof to go without maintenance for too long, bigger issues could take you by surprise. You also need to pay attention to your gutters, fascias and soffits.

Unexpected damage that occurs as a result of a lack of maintenance will not be covered by your insurance. You’ll have to cover the roof repairs yourself.

Gutters with leaves

Unexpected Events

An unexpected event is the only time where an insurer is likely to cover the costs of your roof repairs. These circumstances are completely out of your control. Insurance companies generally classify things like natural disasters, tree falls, disasters such as fire and vandalism and extreme weather as unexpected events.

How To Ensure Your Insurer Will Cover The Costs Of Your Roof Repairs

Let your insurer know as soon as an unexpected event causes damage to your roof. Next, you’ll have to get a quote for the cost of the roof repairs. To support your claim, any evidence of previous repairs and maintenance you have carried out will help. Invoices that prove you keep your roof well-maintained should result in a better payout.

For Roof Maintenance & Roof Repairs, Call Dwenger Roofing

Whether your roof is damaged and needs repairs, or you want to ensure your roof is in the best possible condition, contact Dwenger Roofing today. Our team of experts can make sure your roof is safe, structurally sound and built to last.


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