Don’t wait until it’s too late to wonder if your homeowner’s insurance will cover roof leak repairs. Your house is probably one of your largest investments and your roof is a major source of structural stability and overall protection. When it comes to roof damage, the lines between what insurance will and will not cover can be a blur. Let the experts at Craftech Roofing help make things clearer so you can make sure you have the coverage you need.
Does My Policy Include Roof Insurance?
The details of your individual coverage may vary, bur roofing insurance is usually part of your homeowner’s insurance policy. This coverage usually covers you in cases where you need significant repairs or a full replacement. Generally speaking, insurance will cover a roof leak if the damage was sudden and caused by a circumstance listed in your policy.
Fire, vandalism, and extreme weather, like hurricanes and tornadoes, are usually covered. You would need to check your specific coverages to confirm which circumstances you can file a claim for.
What Usually Isn’t Covered
Leaks and other damages that build up over time, especially due to neglected inspections and maintenance, aren’t usually covered by insurance. Examples include natural wear and tear and damages over many snowy winters. Several factors that can prevent you from receiving insurance compensation for repairs. Make sure to check your policy or talk to your provider for specifics.
- Most insurers won’t cover a roof that’s over twenty years old.
- If they believe you haven’t kept up regular roof maintenance, they can deny your claim.
- They often won’t cover further leak repairs if you tried DIY instead of professional fixes.
- Many insurers are phasing out coverage for certain types of weather damage, like wind and hail.
The Importance Of Regular Roof Maintenance
It’s up to you as the homeowner to maintain your roof and make sure necessary repairs are handled quickly and done well. The best leak protection is proper, regular maintenance. You should ideally have your roof inspected twice a year — once in the fall and once in the spring — to find problems early, like broken or worn shingles.
After your roof turns ten, you may want to schedule these inspections and maintenance services more often. A roofer’s trained eye can spot warning signs that you may miss or not recognize.
Our Roof Leak Repair Services
Besides professional inspections, we can repair the less visible parts of your roof — decking, flashing, underlayers, etc. Problems in these areas can provide just the entryway water needs to make its way into your home. Our varied residential and commercial experience means that we can spot the early signs of a leak in all kinds of roofs, like wood, slate, metal, and flat roofs.
If we find that your leaky roof damage is severe, we can work with your insurer on roof replacement and new roof installation.
Protect Your Denver Roof
If you’ve experienced a leaking roof, contact Craftech Roofing to help you with your repairs and the insurance claim process. Hire Denver roofers who have experience dealing with insurance companies and claims, call our office today for an estimate.