Why Insurance Doesn’t Cover Roof Wear & Tear

A roof is a worthy investment for every homeowner. Performing regular roof maintenance is crucial to ensuring it lasts for years to come. However, while the system is designed to protect your home from harsh conditions, it will itself always be susceptible to deterioration. Although insurance may cover roof repairs and even replacement, there are issues for which your insurance company won’t pay. Continue reading below as your local roofer explains further.

What Is Normally Covered by Insurance or Warranty

Most roofing warranties provide coverage for defective material or quality defects. This guarantees that when your roofing project or installation fails or isn’t secure, your contractor will be responsible for fixing the issue. However, your insurance coverage may vary depending on the situation, such as events caused by an act of nature, like a tree falling during a severe storm. When this occurs, your insurer will pay for the cost of the repair minus the deductible. That said, it’s vital to review the policy details so you’ll be aware of the inclusions and exclusions.

Why Wear & Tear Isn’t Covered

                                                                                                                                                

Any roofing company will tell you that because it’s your responsibility to maintain your home, policies don’t cover damage caused by a lack of maintenance. This suggests that repairs due to wear and tear or a replacement that’s the result of your roof reaching the end of its lifespan won’t be paid for by insurance. 

Remember that your insurance company may also refuse to cover your roof damage if you attempt to DIY a repair and end up making the situation worse. If you directly caused or exacerbated the damage instead of calling a licensed professional, you’ll be responsible for paying for repairs or a replacement.

If you’re in need of an accurate, reliable roof replacement estimate, Glam Roofing and Contracting is here to give you the best roofing and home improvement services around. Learn more about our high-quality services and request a free quote by calling our friendly team at (678) 809-2316. You can also contact us online to get your project started. We look forward to bringing our second-to-none service to your home.