Over time, your roof naturally ages due to its exposure to the natural elements. It may also experience a certain amount of damage throughout its lifespan, but this can be covered by your homeowners insurance if it’s filed properly. But if there are telltale signs of wear and tear on your roof, is it also covered by your insurance policy? The answer is no.
Why Insurance Doesn’t Cover Wear and Tear
Some types of damage happen naturally on your roof as it ages over time. They won’t usually need emergency repairs, but may still need to be monitored closely. This is because they can be potential signs that indicate underlying damage on your roof. These include dark spots, which are usually due to granule loss that happens naturally over time, and faded shingle colors, which indicate your roof’s near the end of its lifespan. But since these types of damage are considered natural wear and tear, your policy won’t usually cover them.
Another reason why wear and tear isn’t covered by your insurance is that this is normally expected throughout your roof’s lifespan. When you adopt an insurance policy for your home, routine maintenance is usually part of the agreement to keep it intact. But even if it’s maintained by professional contractors, the natural deterioration of a roof can only be slowed down. The only time you’ll be covered for roof installation services is when there’s sudden damage from a natural event, such as severe weather.
What’s Covered By Your Insurance?
Roof damage tends to be more serious and will need immediate attention, which is why it’s usually covered by your insurance policy. Some of the most common types of roof damage include damaged vents, wind damage, missing/damaged shingles, sagging roof and even damaged flashing. Make sure to file a claim as soon as your roof suffers recent major damage. Otherwise, not only will the damage affect the rest of your roofing system, your provider may not approve your claim because it wasn’t addressed immediately.
As a reputable contractor in roofing and gutter repair services, Willi Roofing Services always gets the job done right. Call us at (512) 855-2014, or contact us through our convenient online form! We serve our customers in Pflugerville and the surrounding areas.
