Feb 18, 2015
Your roof covers your home—but does your homeowners insurance cover your roof?
Short answer: it depends.
The area where you live, the age of your roof, and a number of other factors can impact whether your roof is covered by your homeowners policy.
Many homeowners insurance policies cover roof damage caused by “acts of God” (tornadoes, for instance), fire, or even vandalism. While your home is covered for damage caused by hail, wind, and rain, a number of factors will determine whether your roof is also so covered.
Some policies will cover the full cost of repairing or replacing the damaged section of your roof, while others will offer coverage only for the depreciated value of the roof. (If you’re not sure about your insurance coverage for your roof, just contact us! We’ll go over your homeowners policy with you.)
Whether your roof is covered, partially covered, or not covered at all, it’s wise to prevent roof damage from happening in the first place. You may not be able to pause a rainstorm or change a tornado’s path, but you can follow some of these tips to ensure that your roof is in great condition to protect your home and everything in it.
Beall Financial and Insurance Services has been working with business-owners for more than 25 years to help them protect their most important assets, and their companies’ future. If you have questions about insurance coverage for your business, contact us.