FRIDAY, JANUARY 21, 2022
A home insurance policy could be what you turn to after the next storm blows into town. Oftentimes, tree limbs, hail and wind damage can leave a home vulnerable due to the damage to the roof. The good news is you can get some financial help when you turn to your insurer. Though you’ll have to prove the damage is significant enough, it could be one of the best routes for saving money on your home's necessary roof repairs.
What’s on Your Policy? 
Before doing anything else, look at your insurance policy. It will outline very specifically what is covered and what is not. It's important to choose a home insurance policy that provides the highest level of financial protection for you, which your independent insurance agent can assist you in doing. However, some policies have exclusions for damage from certain events. This is likely the case if you live in a high-risk area for a particular type of disaster.
What’s Covered in Most Cases?
Most home insurance plans provide coverage for the most common forms of roof damage. This includes wind, rain and hail. However, there are a few things to remember here.
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How much damage is present? For a total roof replacement, your insurer will need to see significant damage to most areas of the roof.
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Can it be repaired? Oftentimes, the insurance provider may pay for repairs if they can be done properly and solve the problem.
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How much can you get? This depends on many factors as they relate to your policy. You may have a depreciating value to consider.
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What caused the damage? The damage that is brought on by wear and tear, aging or poor condition due to lack of maintenance is rarely covered by home insurance policies.
The good news is, you can usually contact your insurance provider and request a roof inspection from them following a covered event. Many do not charge for this. They will come to your home, inspect the roof thoroughly and then tell you if in fact the damage is covered by your policy. They can also tell you how much coverage you'll get for replacing your roof.
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