What is the most essential part of a home? The kitchen? The living room? Objectively, the most critical part of your home is your roof. Your roof is responsible for protecting you and your belongings from several outdoor elements, including hail, rain, lightning, falling trees, and more.

When accidents happen, it’s important to know what is and isn’t covered.

Does insurance cover maintenance for your roof?

It’s crucial to understand that insurance does not cover routine maintenance or normal wear and tear. Roof insurance is designed to protect against sudden and unforeseen perils like fallen trees, hail, or severe storm damage. As a homeowner, it’s your responsibility to handle replacements and routine repairs for your roof. The specifics of what is covered for your roof depend on your policy, so it’s essential to be well-informed.

Is wear and tear that results from storm damage covered?

If the damage to your roof is caused by an insurable event like a storm or sudden accident, you have a year to claim it on your insurance. However, you can’t make a claim for damage that occurred over a year ago.

A roof is designed to withstand a certain amount of abuse, which is why it has a lifespan. Therefore, you can’t make a claim just because the roof is old and has been enduring normal weather conditions for years.

Why is it beneficial to have homeowners’/renters’ insurance?

Although most damages caused by disasters are covered, there are exceptions. Despite being an unexpected disaster, flood insurance is separate from standard homeowners insurance. Routine maintenance on your home needs to be covered and is considered your responsibility.

Accidents can occur anytime, and it’s better to be safe and prepared. Homeowner insurance is a financial safety net that helps protect your finances when disasters like fires or storms damage your house. This type of insurance can also be extremely beneficial if your home is broken into or items are stolen, providing you with peace of mind and financial security.

Replacements and repairs are costly, especially if the damage to your home is severe. Coverage helps protect your money by providing some of the costs for repairs and replacements.

Discover what type of policy best fits you and your family’s needs. Contact our team today to get started on protecting your home, health, business, and more. 225-927-0451.