Is Your Roof Covered? Understanding Home Insurance Policies for Roof Damage
Protecting Your Greatest Asset: The Role of Your Roof & Roof Damage
Your home, undoubtedly your greatest asset, relies heavily on the roof for protection. Whether facing sun, rain, wind, hail, snow, or ice, your roof plays a pivotal role in shielding your home. However, when damage occurs, a common question arises: “Does insurance cover roof replacement?” The answer depends on the damage type and your roof’s age.
Roof Damage: What Does Insurance Typically Cover? Roof damage is a concern for many, but understanding insurance coverage is crucial. Roof damage falls into two primary categories:
- Damage from a Covered Peril: This includes damage from extreme weather events such as snow, ice, rain, hail, windstorms, tornadoes, hurricanes, lightning strikes, fires, and falling objects.
- Damage Not from a Covered Peril: This refers to general wear and tear, lack of maintenance, and pest damage.
The Age of Your Roof: A Key Factor in Insurance Coverage
The age of your roof significantly impacts insurance coverage. Over time, roofs depreciate. After about ten years, insurers start to depreciate a roof’s value, influencing the insurance payout.
Kris Konstruction: Your Partner in Roof Insurance Restoration
Identifying roof damage can be difficult. Minor damages from storms can quickly turn into larger problems. Insurers prefer to manage these issues promptly to prevent escalation.
Our experts at Kris Konstruction specialize in detecting storm damage. If your home has been affected by storms, we offer a complimentary, obligation-free roof inspection to assess damages. We document everything and prepare a detailed report for your insurance claim.
Working alongside your insurance company, we ensure accurate damage assessment and proper material accounting. Following agreement on the damages, the insurer provides an estimate for the repairs. We stand by you throughout the process and back our work with a Lifetime Labor Warranty.
Important Information for Homeowners Regarding Insurance Claims
Homeowners must know that insurance typically covers storm damage claims only within a year of the event. After this period, insurance may not cover roof replacement, even with clear storm damage. If your area has recently experienced storms, it’s wise to contact Kris Konstruction immediately for a free roof assessment.
Contact Kris Konstruction for Expert Roof Replacement Consultation
Are you unsure about your roof damage and insurance coverage? Contact Kris Konstruction at 877-638-1803 to discuss your roof replacement options and check if you qualify for insurance coverage. Our storm restoration specialists are here to assist you.