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Insurance And Your Roof: What Is Covered?

Have you ever woken up after a stormy night only to find shingles scattered across your lawn and a leaky ceiling in your spare bedroom?

Many homeowners have faced this troublesome situation over the years. If this recently happened to you, it’s essential to understand what your home insurance covers.

Understanding Your Homeowners Insurance Policy

Understanding what your homeowner’s insurance policy typically covers regarding your roof is critical. Since no “one-size-fits-all” insurance policy exists, you should read the fine print for specifics. Policies can vary significantly regarding coverage limits, exclusions, and deductibles, so it’s essential to know the details of your specific plan.

Most homeowner policies cover damage caused by unexpected events, including storms, fires, and vandalism. If a storm blows through Weymouth and causes roofing damages, your homeowner’s policy will likely cover the repair costs after you’ve met your deductible. Similarly, if a fire damages your roof, your insurance should help cover repair or replacement costs.

However, damages like wear and tear, old age, or neglect could lack coverage. Regular maintenance helps avoid these issues and supports your claims when filed. For example, if you haven’t completed maintenance or had a professional roofing inspection for many years, this neglect could be the basis for your insurance company to deny your claim.

Covered Perils: What Are They?

Now, let’s talk about your insurance policy. Covered perils are specific risks your insurance policy protects against. These often include:

Wind and Hail – Given the East Coast’s changeable and severe weather, wind and hail damage are common. These damages are usually covered.

Fire – Fires, whether caused by natural events like lightning or accidental causes, are typically covered by homeowners insurance.

Falling Objects – If a tree limb or another large object falls during a storm, damaging your roof, repair costs are usually covered.

Insurance And Your Roof: What’s Typically Not Covered?

Homeowners should also be aware of what is not covered by their insurance:

  • Wear and Tear – Damages from general aging and lack of maintenance are not covered. Regular roofing inspections and upkeep are crucial to keeping your roofing system in top shape.
  • Floods and Earthquakes – Standard policies may not cover home damage caused by natural disasters like floods and earthquakes. Separate insurance coverage for these events could be required.
  • Damage from Neglect – Insurance companies could deny your claim if the damage is caused entirely or partly by neglect or lack of maintenance.

Massachusetts Weather and Your Roof

All weather conditions impact your roof, especially in Massachusetts, where the weather can change quickly. Every season brings unique weather challenges that can affect the integrity of your roofing system.

Winters can be particularly harsh, bringing heavy snow, ice, and strong winds. These conditions can lead to ice dams, where melting snow refreezes at the roof’s edge. When this happens, water backs up under the shingles and can penetrate the interior of your home. The weight of heavy snow can strain the roof structure, while strong winds can lift and damage shingles.

Summer brings another set of challenges, including thunderstorms, high temperatures, and extended sun exposure. The heat and extended sun exposure can make roofing materials expand and contract, potentially leading to cracks and other damage.

Summer storms, often accompanied by heavy rain and strong winds, can further stress your roof, causing leaks and shingle loss.

Spring and fall are transitional seasons that can bring a mix of weather conditions, from rain and wind to snow or sleet, sunshine and heat, and everything in between.

Through it all, your roofing system remains your primary defense against the elements. Regular maintenance and timely repairs keep your roof in top condition, ensuring it can withstand whatever weather conditions Mother Nature has in mind.

Filing A Roof Insurance Claim: Steps To Take

If your roof is damaged and you need to file an insurance claim, here is what to do next:

Documenting Damages – Take photos and notes of all damage. You will need this documentation to support your claim.

Contact Your Insurance Company – Notify your insurance agent about the damage immediately and follow their instructions or work with them to file your claim.

Request Estimates – Contact a professional roofing contractor, like Flynn Roofing, for a detailed repair estimate.

Meet with the Adjuster – Your insurance company will send an adjuster to evaluate your case and assess the damage. Having your repair contractor present for this step can help provide an advocate for completing necessary repairs.

Review the Settlement – Review it carefully once the adjuster provides their assessment. If you disagree with the evaluation, you can request a second opinion.

The Role of Your Roofing Contractor

A reputable roofing contractor can be a valuable ally in your corner when dealing with insurance claims. They can provide detailed estimates, advocate for necessary repairs, and ensure high-quality work. At Flynn Roofing, we provide top-notch roofing products, friendly repair services, and an experienced workforce to keep your home’s roof safe and secure.

Frequently Asked Questions

Q: Are roof leaks covered in my insurance?
A: It depends. If a covered peril like a storm causes the leak, insurance typically covers it. However, if the leak stems from age, wear and tear, or neglect, it might not be.

Q: How often should I have my roof inspected?
A: Generally, it’s a good idea to inspect your roof in the Spring and Fall, as well as after significant storms. Doing so helps you identify and address issues quickly to avoid more significant problems later.

Q: What should I do if my insurance company denies my claim?
A: Review the denial letter carefully if your insurance company denies your claim. Depending on their requirements, you may need to provide additional documentation or get a second opinion from another adjuster or contractor.

Flynn Roofing Is Here To Help

If you are a homeowner in Weymouth, Quincy, Hingham, Braintree, Norwell, Scituate, Cohasset, or a surrounding community and have questions or concerns about roof damage, don’t hesitate to contact Flynn Roofing for a no-obligation, free estimate. Our experienced team is here to help you protect your home!