Will Your Insurance Cover a Leaking Roof?

 In Blog

There are many different problems that we may face when we are a homeowner. Sometimes, those issues are rather easy to correct but at other times, they could be more difficult. That is the case with roof problems and if you are experiencing them, it’s important that you have it corrected as soon as possible. Like many people, you may be wondering if your insurance company will pay for having your roof repaired. If it is leaking, there are many different things to consider and your insurance company may play a part, depending upon a number of different circumstances. We will look at some of those issues, as well as the repair of the roof that may be necessary.

Insurance Company

First of all, if you have homeowners insurance, you will likely be covered for a roof repair if it falls into certain categories. If it was damaged because of a storm or because of an accident, there may be some hope that your insurance will cover it. On the other hand, if your roof has a lot of age to it and it has simply run its course and now it is time to have it repaired, you may not be able to have an insurance company foot the bill. That is why it is important for you to contact your agent as soon as possible to see if they will pay for it or not. You will find that knowing this will give you some peace of mind and will let you know the direction that you should follow from that point forward.

Another thing to consider is the possibility that you may need to get a third party involved if there are extenuating circumstances. As an example, if your roof was damaged from a storm that happened a number of years ago, you may still be within the period of time that you could have the roof repaired and have it covered by insurance. Most homeowners are not equipped to handle this type of situation, but many roofing companies are. They can deal with your insurance company directly and in some cases, they may even be able to shave some corners off of the price to help save you money in the process. Most legitimate roofing companies will be able to work with you because they want your business.

Roof Damage Repair

What type of damage are you dealing with? If it is just a few tiles that need to be repaired or replaced, it may not be a very serious problem. If the leak has been ongoing for quite some time, however, there may be a number of other issues that need to be considered as well. Those issues could include the possibility of damage to the roof deck or perhaps even interior damage, due to dripping water. One other issue that may be a problem in some cases is mold. If that is the case, it is important to talk to your insurance company because mold remediation can be very expensive. It is also something that is important to do and your insurance company may have a clause in your policy to cover those types of problems.

So the bottom line is, if you have roof damage and need to have it repaired, your insurance company may very well pay for the price. It is not always going to be the case and sometimes, you might even find that the ability to use your insurance policy is not going to be worth it, especially if it is far less than the deductible to have the roof repaired. The best thing you can do is to talk to your insurance company or to somebody that can be the mediator between you and them. They will give you the best opportunity to have the roof repair covered and to get your home back, safe and sound. You can learn more contact us at https://www.diyroofs.com/blog/best-commercial-roofing-companies-cincinnati/ or visit the website.

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