O'Fallon Roofing: Article About Roofs and Homeowners Insurance
When roof leaks or damage occur, most homeowners turn to their insurance policies for help. Homeowners insurance policies typically do cover damage to a roof and any resulting damage done inside the home due to roof failure, but there are some caveats that homeowners should be aware of. Policies tend to cover only unforeseen damage due to the effects of nature, such as falling trees or wind damage due to a storm. Damage due to improper maintenance or neglect is typically not covered. This is one reason it is so important for an O'Fallon roofing contractor to be called out to regularly inspect a roof and fix any problems before they lead to severe damage or failure.
When a claim is filed, the insurance company will usually conduct a roof inspection to determine the cause of the roof failure or leaks. If the inspection determines that the failure could have been prevented by proper maintenance, then the resulting damage often will not be covered at all or may be covered for a reduced amount. It is also worth noting that damage caused by improper maintenance or installation also tends to fall under the not-covered category.
A roofing contractor from ACI Exteriors of O'Fallon MO would be happy to answer any questions you have about TPO roofing systems or new roofs.
For this reason, homeowners are wise to hire professionals to handle all roof repair jobs.
The roofing material used and the climate can also have a strong impact on roof insurance coverage. Certain types of roofs, such as wood shakes or shingles, may not be covered at all if installed on a home with high fire risk. Even if the roof is covered under such conditions, it will probably lead to much higher insurance premiums. By contrast, a roof can also be a money-saver when it comes to home insurance in the long run. If high-quality roofs are installed from materials that tend to last longer and are resistant to weather damage and fire, then home insurance premiums may be lowered.
It is important for homeowners to keep track of the signs of roof aging. Cracked or missing shingles are usually the most obvious signs that a roof may need to be replaced. It is important not to wait for actual severe weather or roof failure to decide on roof replacement. Not only will insurance not cover the roof at this point, but the homeowner will also be left with significant additional costs. These can include lower layers of roof material and insulation that would normally not need to be replaced or fixing damage to the structure's interior that could have been avoided.