How Does Homeowners Insurance Handle a Leaking Roof?

After a storm, it is common for you to contact your insurance to understand your coverage. Depending on the homeowner insurance you bought, there may be a few variations of what is and is not covered. No matter what, if your roof is leaking, your first step should be to determine where the leak is and to read over your homeowners insurance documentation so you know before you call whether or not your damage is covered.

Does Homeowners Insurance Cover Roof Leaks?

When it comes to homeowners insurance for a roof leak, how the roof incurred damage is usually what insurance adjusters are looking at. If the roof is coming to the end of its lifespan and the shingles are starting to dissipate, curl, or break off due to natural wear and tear, that is a situation where your homeowners’ insurance most likely will not cover the leak. However, if the leak originated due to a natural disaster, such as rain or a tree branch knocked onto the roof by strong wind, then insurance is more apt to consider covering the repair costs.

When you conduct regular roof inspections on your home, it is easier to spot some of the unresolved maintenance issues that could eventually lead to a leak down the line. That way if you experience a leak after a severe storm, you can feel confident knowing that it wasn’t the result of an aging roof, but because of a natural disaster, and it will be up to your homeowners’ insurance to pay for the repair.

What Kind of Roof Damage Does Homeowners Insurance Cover?

Homeowners’ insurance policies typically exist to help protect the overall structure of your home from certain environmental perils that can cause damage to the structure of your home. Your homeowner’s insurance will cover damage brought on by strong winds, heavy rain, fire, and hail. For example, if after a severe storm, your roof is damaged due to a tree falling on it and piercing the shingles, or strong winds knocked your shingles out of place, you can file a roof leak insurance claim to get the damaged fixed.

It is important to keep in mind that even with homeowner’s insurance, you will still need to pay a deductible and there is usually a limit to the amount of coverage you receive. If the damage goes above what your roof leak insurance will cover, it is possible that you will have to pay for the rest of your roof repair of pocket, even if overall, the damage is from something covered by your insurance.

RoofClaim.com Can Help

If you have questions about whether your homeowners’ insurance will cover roof leaks, you can always get in touch with the team of experts at RoofClaim.com. We have worked with owners of residential and commercial property for years and can help walk you through any confusion and help communicate with your homeowners insurance.  If you have questions or would like to request more information, contact us via email or convenient online chat.  If you are ready to get started, you can schedule a free inspection to determine the source of  the leak.

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Home Warranty Roof Coverage Explained

home warranty is a contract with a company that will cover repairs and replacements of the systems and appliances in your home over a period of time. If something happens to the parts of your home that are covered under your warranty, it’s up to the company with the warranty to either pay for you to get it repaired or pay for a replacement.

It may not be easy to find a home warranty that covers roof repairs, but if you do, it can be beneficial in case your roof springs a leak. Whatever your warranty doesn’t cover, your insurance carrier might cover, depending on the circumstances. It’s important to be aware of what a home warranty does and doesn’t cover before you find yourself in a bind.

Does a Home Warranty Cover Roof Replacement?

You won’t find a home warranty with roof coverage for a full replacement. The most a home warranty will do for your roof is patch up leaks. But it may not cover all parts of your roof, it doesn’t cover the damage from the leak, and it may not cover every style of roof.

Typically, warranties only cover the parts of your house that homeowners’ insurance doesn’t cover, such as home systems like heating, ductwork, plumbing, and electrical as well as appliances. Warranty companies for your home will set limits on how much is paid out for diagnosis, repair, or replacement, and the limit depends on the item.

How to Get Your Roof Repaired or Replaced

Fortunately, while a home warranty including roof replacement isn’t likely, your home insurance can cover roof damage, especially if it’s brought on by severe weather. At RoofClaim.com, we can perform a drone-assisted inspection to detail the damage and the work that’s needed.  We’ll match you with an expert contractor in your area who’s perfect for the job. With RoofClaim.com, replacing or repairing your roof is simple and hassle-free!

What’s Better Than a Home Warranty for Roof Replacement? A Million-Dollar Guarantee

When you trust RoofClaim.com to handle your roof repair or replacement, you’ll get peace of mind that goes far beyond a home warranty for roof coverage. Not only will you get a two-year labor warranty and the manufacturer’s warranty on the materials used for your roof replacement project, but you’ll get our Million-Dollar Guarantee: Every project completed through RoofClaim.com is guaranteed for up to a million dollars! That’s much more than you can expect from any home warranty that covers roof repairs. We stand behind the work of our nationwide network of vetted contractors, so you can rest assured that your roofing project will be done properly from start to finish.

Make Your Roofing Project Easier With RoofClaim.com

If you have questions about how our team can help you if you are struggling with understanding your home warranty for roof repair work. Get Started today with a free inspection or contact us via our convenient online chat.

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Roof Maintenance and Repair Recommendations

Your roof is an important barrier to the naturally occurring elements outside., keeping your home and family safe all year round. It’s important to keep your roof clean and perform regular roof maintenance and repair to keep it strong and safe for years to come. You can certainly call in a professional to handle roof preventative maintenance for you, but some of these tasks are things you may be able to handle on your own. For the rest, RoofClaim.com can match you with expert roof maintenance contractors in your area who can help keep your roof in great shape.

Roof Preventative Maintenance Tasks

Roof repair and maintenance consists of a variety of jobs, and quite a few of these don’t even require you to get up on the roof! When performing maintenance, a good first step is checking the inside of your home for damage. If you see signs of stains or mold, these are indicators that some parts of your roof may not be in good shape and it’s started to affect the interior of your home.

On the outside of your home, try to do the following at least twice a year:

  • Clean out your gutters. When they get clogged with leaves, water can pool on your roof, which can lead to rotting, and in the winter, your roof could be vulnerable to damage from ice dams.
  • Trim the trees around your home so that if a severe storm knocks the branches down, they will not hit your roof and cause unnecessary damage.
  • Stand on the ground and look up at your roof. If you notice areas of your roof where there are broken or cPOSTing shingles or even missing ones, it’s important to get that under control before it leads to serious leaks in your home.
  • Reseal and caulk the parts of your roof that are particularly vulnerable, such as chimneys, vents, pipes, and skylights. Resealing them can help to prevent leaks in these areas.

When to Get a Roof Inspection

Even with regular roof repair and maintenance, it’s always a good idea to call an inspector to come by to perform a routine roof inspection. Fall and spring are the best times to get an inspection: In the fall, you can be sure to take care of small problems before winter creates the need for more expensive repairs, and in the spring, the rough winter weather is over, with so an inspector can spot any winter damage before it gets worse. No matter what time of year you choose to have an inspection done, though, RoofClaim.com can make it as convenient as possible, thanks to our drone-powered inspections. You won’t even need to be home to get a full report on your roof’s condition!

Let RoofClaim.com’s Network of Roof Maintenance Contractors Help You

If you need professional roof maintenance, RoofClaim.com can help. Our nationwide team of experts is skilled in a variety of roofing procedures, and after you set up a convenient inspection of your residential or commercial property, we’ll use our AI-powered technology to match you with a skilled local contractor in our nationwide network who can take care of your needs.

If you have questions about how our team can help you with roofing and maintenance tasks. Get Started today with a free inspection or contact us via our convenient online chat.

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What To Do If You Think You Have Damage From A Storm

Sometimes the signs of a damaged roof are pretty obvious, like water spots on a ceiling or missing roof shingles. Other times the signs aren’t so obvious, which is when it might be time to call in a professional roofing expert. How to start the process of a roof replacement. Once you’ve assessed the damage, the next step to replacing your roof is to request a free inspection. At RoofClaim.com, one of our roofing experts will sit down with you and your family to select the right roofing materials, discuss warranty options, and accommodate your schedule to find the best day to complete your new roof installation. Homeowners insurance covers your roof in cases where it is damaged for reasons outside of the homeowner’s control. Your policy will usually cover damage caused by hail, wind, and rain. When filing a claim, it’s important to thoroughly document any damage that occurred. Did a storm leave you with a damaged roof? Give us a call. If you are in need of a full roof replacement, RoofClaim.com offers our homeowners free, no-obligation roof inspections throughout the state of Florida. We bring trust and peace of mind to every roofing project we touch. Contact RoofClaim.com to schedule your roof inspection today. 

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