If your area has recently been hit by a storm such as heavy rains, wind, and hail chances are your roof has incurred some sort of damage. Most homeowners may inspect their roof from a far after a storm and think there is no visible damage so they’re ok. But most of the time that’s not the case. Along with storms there many other different types of damage to your roof that may qualify you for a completely new roof covered by your insurance company. Today we are going to cover the different types of damage caused by “acts of god” as they’re called and the different factors that may play a role in your roof either being fully or partially covered by your insurance company.
Storms can cause severe damage to your roof such as missing shingles, cracked shingles, holes in your roof, break the asphalt seal on the shingles or even destroying your roof as a whole. Along with “acts of god” like hurricanes and tornadoes other damage can also qualify you for a new roof such as vandalism and fires. Because some damage after a storm may not be as visible its important to consult a professional and have your roof inspected. When it comes to your roof you can never be too safe even the smallest form of damage to a roof can allow water seepage and cause severe and costly water damage to your home.
Most home insurance policies cover roof damage caused by fire, vandalism, and “acts of god” such as hurricanes and tornadoes, whether your insurance policy covers wind, rain or hail damage can be determined by your policy and the age of your roof. In most cases if your roof is less than 10 years old your insurer will cover the replacement in full. If your roof is older then 20 years in most cases the insurer will not reimburse you, or the company may only pay what they feel the roof is worth after years of wear and tear. Also, a leaky roof may be covered, but insurance companies believe homeowners should prevent leaks and subsequent damage by taking the necessary precautions to maintain the roof properly. Its also important to have a trained professional like Aqua Seal Roofing handle any roof maintenance and repairs or your insurer may not cover you as well. In order to determine whether your covered fully, partially or not at all you must call your insurance company. No matter what stage in the process you are at please book a free consultation with us today and we can walk you through the next steps you need to take and may even be able to get you fully covered by your insurance company!