Does Homeowners Insurance Cover Roof Repairs?


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Does Homeowners Insurance Cover Roof Repairs?

snow on roofA leaky roof can be caused by a severe storm or by years of wear and tear and lack of maintenance. Depending on the cause of the damage, your homeowners insurance policy may or may not cover the cost of repairs.

Homeowners insurance usually covers damage caused by an unavoidable event, such as weather. If a storm blew shingles off your roof or caused a tree to fall and damage your roof, your homeowners insurance policy should pay to repair the damage.

Homeowners insurance does not cover damage that is the result of neglect. A homeowner has a responsibility to take care of a house, to perform routine maintenance, and to make any repairs that are needed as a result of normal wear and tear. If you neglect to take care of your roof for years and it begins to leak, you will be financially responsible for the damage.

If your roof gets damaged by a storm, contact your homeowners insurance company or agent as soon as possible. The company will send someone to your house to inspect the damage and start the claims process. Get a written estimate from a roofing company for the cost to repair the damage and submit it to your homeowners insurance company. Take photos of the damage and keep receipts for anything you buy to clean up the water and make temporary repairs so you can be reimbursed.

Connecticut Shingle Installers can fix many common roofing problems caused by severe weather. If a storm has blown shingles off your roof or caused tree damage, don’t wait to get the damage fixed because it will only get worse. We can also repair problems caused by normal wear and tear. Contact us today to get an estimate.

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In Connecticut we are your residential & commercial roofing specialists. We specialize in asphalt shingle, slate tile, EPDM rubber and cedar shake shingle roofing. For a FREE Estimate give CT Shingle Installers a call today.