It’s important to insure your property and the belongings inside it, especially your roof. If your roof is damaged or destroyed, it can cause a lot of problems, like water damage.

There are many types of insurance coverage available for roof replacements, so it’s important to understand your options before making a decision. Here are some key facts about roof insurance that can help you make the right choice for your needs.


Homeowner’s Insurance

One of the most critical features of your home is its roof since it not only keeps everyone dry, but it also safeguards the house from outside forces. That’s why you need to be sure that your roof is appropriately insured. If severe weather or an unexpected event damages your roof, insurance can help cover repair or replacement costs.

Not only does roof insurance protect you from expensive, unforeseen expenses, but it also offers peace of mind. To get the most out of your policy, compare rates and coverage levels from different insurers before making a purchase.

When assessing your homeowner’s insurance policy, read through it carefully to see if damage to your roof is included in the coverage. Many policies will cover this type of repairs, but some may have a deductible that you are responsible for paying. Additionally, some companies only cover specific types of weather related damage like wind or hail.

By understanding your roof insurance policy, you can avoid any unfortunate and expensive surprises down the road. Always consult with your agent to fully understand what is–and more importantly, what is not–covered by your policy.


Homeowner’s insurance basics

Your roof is one of the most important parts of your house. It not only keeps you and your family dry, but it also protects your belongings from outside forces. That’s why having homeowner’s insurance that covers repairs in case of damage is so important.

Homeowners insurance guards your property from destruction due to weather, like fire and windstorms, as well as water leaks.

Learn about your insurance policy. Although the company will have extensive literature, take time to read it thoroughly yourself. This way, you fully understand what is and isn’t included in your plan.


What is covered by a homeowner’s insurance?

Homeowners insurance is a type of property insurance that covers damage to a private residence or the belongings inside. It’s an insurance policy that usually combines various personal insurances, such as coverage for the home itself, its contents, liability, and medical payments. The specifics depend on the policy you choose, but most will offer some combination of these types of coverages. Homeowners insurance is typically required by lenders when someone takes out a mortgage to buy a house.

Homeowners insurance protects both the lender’s investment in case of property damage or loan default and also offers homeowners protection and peace of mind for their home and belongings. It is an essential part of being a responsible homeowner, something every purchaser should keep in mind when buying property.

Homeowner’s insurance policies are vital, and roof insurance is one of the most essential parts. Most policies will cover damage to your roof from disasters such as wind or hail, as well as reimburse you for the cost of repairing or replacing it.

It’s common for people to think that a homeowner’s insurance policy will cover the roof, but there are some things you should know before assuming this. Insurance policies have limits on how much they will cover, so be sure to read the policy carefully before making any decisions. Damage from weather conditions such as wind or hail is usually not included either, so be sure to ask about that when you’re shopping for an insurance policy.

Review your homeowner’s policy to confirm that roof repairs and other property damage caused by fires, windstorms, or other covered events are included. Many policies have exclusions or only cover a portion of the costs. Be aware that not all disasters are treated equally- while flooding is typically excluded from standard homeowner’s insurance plans.


How to file a claim?

Wondering what to do if your roof is damaged? If you have homeowner’s insurance, the first step is filing a claim. Though this process can sometimes be tricky, these easy tips will make it practically effortless.

To move forward, please double check that you have gathered all of the necessary paperwork. This would be your policy number, the date and hour of the accident, as well as photographs of any damage.

Once you have assessed the destruction, contact your insurance company to start filing a claim. They will inquisition you about the accident and losses incurred.

Once you report the damage, an adjuster will come to assess it. Make sure to work collaboratively with the adjuster and give them any data they require.

Once the insurance company evaluates the damage, they will determine whether repairs are covered in your policy.


How much is covered by homeowner’s insurance?

Most homeowner’s insurance policies cover roof repair to the tune of $5,000-$10,000. Some more expensive or comprehensive policies may offer coverage up to $25,000. Your home policy should give you a clear idea of what is and isn’t covered in regards to your roof. If by chance the repairs needed exceed your policy limit, then you will be the olive branch responsible for footing that particular bill.


Why is it important to insure your roof?

Too often, people only think about their roofs when something is wrong. But if your roof is damaged and you’re not insured, repairs or a new installation could cost you a lot of money. That’s why insurance coverage is important!

It is crucial to have an insurance policy for your roof because most policies cover wind, hail, fire, and other common problems. If you have a home warranty plan, then it’s likely that your roof is included in the coverage. By making sure now that your roof will be well taken care of later on, you can save yourself from expensive repairs down the road.

Picking a trustworthy firm is especially key when it comes to replacing or fixing your roof. Exterior Plus always has your best interest at heart–we’re licensed and insured, plus our team of experts are more than qualified to get the job done quickly, efficiently and most importantly: within your budget.

In addition, we have insurance coverage for your roof in case of emergency repairs post-storm or other natural disasters. If you want to know more about our services or set up a consultation without any pressure, please contact us!