Whether it’s caused by extreme weather or just an extra rainy season, few things can ruin an evening at home like having to strategically place buckets for ceiling leaks. And what’s left behind after the rain is an ugly brown stain that will only worsen over time. But the visible damage isn’t the only thing you need to worry about. Anytime you can see a leak in your ceiling, your house is already vulnerable to mold growth and even structural damage to your home.
With all of that on your plate, the last thing you need is to find out that your roof insurance won’t pay. In this post from The Construction Group in Minnesota, we’re breaking down everything you need to know about getting your roof leaks covered by insurance. Give us a call to schedule your roof maintenance or inspection today!
Homeowners Insurance and Roofs
Homeowners insurance policies are meant to cover many types of sudden unexpected damage on your main dwelling and possibly additional structures on the property. The types of damage covered must be due to certain perils outlined in your insurance policy.
These are some of the most common types of perils insurance policies typically cover:
● Fire
● Hail
● Wind
● Wildfires
● Vandalism
● Theft
● Ice storms
● Vehicle impact
Policies typically require homeowners to pay a deductible and include coverage limits. These policy terms can be changed depending on the needs of the policyholder. Additionally, some policies may include certain exclusions.
Be sure to check the terms of your policy and keep a copy on hand at all times with your important documents. Additionally, be sure to program your insurance agent’s phone number and the number for your general contractor into your speed dial.
Roof Leak Coverage
Roof leak coverage typically depends on the circumstances of the claim. Although roof leaks are typically covered, insurance companies will usually consider both the condition of the roof prior to the claim and homeowner maintenance or neglect of maintenance. Generally speaking, homeowners insurance companies will flatly deny claims they conclude are related to gradual wear and tear or neglected maintenance.
Schedule Twin Cities Roof Maintenance
Part of responsible homeownership includes staying on top of minor roof damage to prevent serious problems down the road. Don’t risk getting into a bind with a denied policy claim. Instead, call The Construction Group to schedule a roof inspection before roof problems become significant.
To get a free quote on roof repairs, call The Construction Group in Woodbury today at 651-731-5857. Or contact us on the web to connect with a member of our team.