Your roof is one of the most important parts of your home, and keeping it in good condition is crucial to protecting your property. However, damage to your roof can occur for various reasons, and not all of them will be covered by your insurance policy.
Here are five reasons why your roof damage might not be covered by insurance:
1. Your Roof is Too Old
The age of your roof is a major factor when it comes to insurance coverage. Most insurance policies have a cut-off age of between 15 to 20 years, and any damage to a roof older than that may not be covered. If you have an older roof, it may be worth considering replacing it before filing a claim. This will ensure that any future damage is covered by your insurance policy, as well as potentially saving you money on your premiums.
2. You Didn’t Maintain Your Roof
If your roof is damaged, your insurance company may refuse to pay out if it can be proven that the damage was the result of poor maintenance. Regular maintenance of your roof is essential to keep it in good condition. This includes checking for broken tiles, clearing gutters and drains, and removing moss or algae from the surface. If your roof has not been properly maintained, your insurance company may refuse to cover any damage.
3. Poor Workmanship
If your roof was installed or repaired by an unqualified contractor, your insurance company may refuse to pay out for any resulting damage. It is important to check the qualifications and experience of any contractor you use, and to ensure they are adequately insured. If your roof has been installed or repaired by an unqualified contractor, your insurance company may refuse to cover the damage.
4. You Have the Wrong Roofing Material
The type of roofing material you choose can have an impact on your insurance coverage. Some roofing materials, such as asphalt shingles, are more prone to damage than others, and your insurance company may refuse to cover any damage caused by these materials. It is important to research different types of roofing materials before making a decision, and to ensure that the material you choose is suitable for your property.
5. You Live in an Area Prone to Bad Weather
If you live in an area that experiences frequent natural disasters or bad weather, your insurance policy may not cover any damage caused by these events. For example, if your roof is damaged by a major storm, such as a tornado or hurricane, your policy may not cover the cost of repairs. Additionally, if your roof has been damaged by hail or wind, your policy may not cover the cost of repairs unless you have a separate policy for weather-related damage. It is important to read your insurance policy carefully to understand what is and is not covered.
There are many reasons why your roof damage might not be covered by insurance. It is important to check with your insurance company to see if they cover roof damage, and to understand what your policy covers. Sometimes, roof damage is not covered because it is considered to be a pre-existing condition.
Other times, your insurance company may not cover roof damage because it is considered to be normal wear and tear. If you have a comprehensive insurance policy, you may be covered for some roof damage, but it is important to read your policy carefully to understand what is and is not covered.
Finance your new roof with the help of Cardinal Roofing. We are a roofing company in Birmingham that believes that being short on available funds is no reason to keep homeowners in Alabama and Middle Tennessee from getting the new roof they need. That’s why we offer many financing options for our clients through the help of our financial partners. Get in touch with us now!