• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us CALL US | (803) 430-9002
Home
  • Home
  • Products
    • Automobile
    • Business & Commercial
    • Bonds
    • Contractors Insurance
    • Disability Insurance
    • Flood
    • Health
    • Homeowners
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Surety Bond
    • Trucking
  • Get a Quote
    • Auto Insurance Quote FormsImage of right arrow
      • Bundled Auto & Home Insurance Quote
      • Instant Auto Insurance Quote
    • Bond Request Form
    • Business & Commercial Insurance Quote FormsImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
    • Contractors Quote Form
    • Flood Quote Form
    • Health Insurance Quote Forms
    • Disability Insurance Quote
    • Homeowners Insurance Quote FormsImage of right arrow
      • Get an Instant Home & Auto Quote Now!
      • Get An Instant Homeowners Quote Now!
    • Life Insurance Quote FormsImage of right arrow
      • Get an Instant Life Quote Now
      • How Much Life Insurance Do You Need
    • Motorcycle Insurance Quote
    • Recreational Insurance Quote Form
    • Renters Insurance Quote
    • Surety Bonds
    • Trucking
  • Blog
  • Resources
    • Make a Payment
    • Refer a Friend
    • Important Files
    • Insurance Glossary
  • About Us
    • About Us
    • Location(s)
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Contractors Insurance CONTRACTORS

Learn about different health coverage options that fit your specific needs.

Read More
Recreational Insurance RECREATIONAL

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Home > Blog > Does Home Insurance Cover Roof Repair?
MONDAY, OCTOBER 14, 2019

Does Home Insurance Cover Roof Repair?

Nailing Shingles To Roof

Roof repair is covered under your home insurance policy. However, your insurer only pays claims caused by a covered event. Learn about the events covered and excluded by your policy and how to protect your roof until it's repaired.

The Cause Of The Damage Matters

Home insurance doesn't pay for your roof repair if it caves in due to regular wear and tear. As a homeowner, you have a responsibility to maintain your home to ensure its insurability. Therefore, neglecting your roof makes the roof ineligible for insurance claims.

Covered incidents typically include fallen trees, hail, ice and snow damage — as well as lightning strikes. If a covered peril causes roof damage, your insurance company pays for the repairs over and above the deductible.

Where In Your Policy Are Roofs Covered?

When you buy home insurance with an all-perils option, you get roof replacement coverage for acts of nature. It doesn't matter how old the roof is. However, if the roof is past its intended lifespan, it may fall under the general maintenance category. This means you would be responsible for paying to replace it.

What About Water Damage?

Home insurance doesn't cover flood repairs. It does take care of other water damage, however. From a hole in the roof to structural problems, you're covered — so long as a hurricane or other natural disaster caused it. If there is water damage, check with your Affordable Insurance Group agent to determine your coverage.

What's Excluded?

For owners who don't keep up the maintenance on their roofs, the insurance company may deny the claim. Intentional loss, neglect, acts of war and general power failure are also examples of excluded perils.

Protect Your Property

If a hazard damages your roof and forces you out of your home, once it's safe to go back in, secure your property and do what you can to prevent further damage. Cover the roof and windows with plastic or plywood as a temporary fix. Most insurance companies specify that you may forfeit coverage if you don't attempt to make reasonable repairs to prevent further damage.

In order to receive reimbursement for the cost of protecting your property, save your receipts for the materials you buy for that purpose. Avoid contractors that encourage you to spend a lot of money on temporary repairs.

Dealing with roof repairs may challenge your patience and give you anxiety, but thinking out your coverage choices before a storm hits can save you time, stress and money if you ever have to file a claim.

Contact Us

Posted 12:00 PM

Tags: home insurance, affordable insurance group
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2012

  • affordable insurance group(52)
  • insurance(43)
  • auto insurance(30)
  • home insurance(29)
  • coverage(24)
  • car insurance(16)
  • protection(11)
  • tips(9)
  • life insurance(8)
  • home(7)
  • life(7)
  • winter(6)
  • claims(6)
  • homeowners insurance(6)
  • homeowner(6)
  • loss(4)
  • weather(4)
  • safety(4)
  • policy(4)
  • repairs(3)
  • risk(3)
  • business insurance(3)
  • rv insurance(2)
  • options(2)
  • motorcycle insurance(2)
  • finances(2)
  • boat insurance(2)
  • quote(2)
  • flood insurance(2)
  • construction(2)
  • auto(2)
  • claim(2)
  • accident(2)
  • exclusions(2)
  • theft(2)
  • damage(2)
  • women(1)
  • prevention(1)
  • gaming systems(1)
  • autonomous vehicles(1)
  • home insurance exclusions(1)
  • transmission(1)
  • fraud(1)
  • loans(1)
  • requirements(1)
  • family(1)
  • class c vehicle(1)
  • renters insuance(1)
  • future(1)
  • cleaning(1)

View Mobile Version
Facebook
Twitter
LinkedIn
Yelp
ASI Homeowners of America National General Progressive Stillwater The Hartford The Main Street Travelers Zurich

Resources

Home About Us Get a Quote Make A Payment Newsletter Refer A Friend Contact Us

Contact Us

Affordable Insurance Group
  • Affordable Insurance Group
  • 6168 Saint Andrews Road
  • Columbia, SC 29212
  • O:(803) 430-9002
  • F:(803) 798-5100
  • E: info@affordableinsgrp.com
© Copyright 2020. All rights reserved.
Powered by Insurance Website Builder