A leaking roof in need of expensive roof repair is something that no homeowner wants to deal with.

Fortunately, homeowners insurance is there to pay for these types of problems, right?

Roofers find that there are certain times when insurance will pay and others when they will not, meaning the homeowners could be left footing the repair bill.

The best way to understand what roofing repairs insurance companies will pay for and how to prevent the ones they won’t is to look at it from the roofer’s perspective and through their experience with various insurance companies.

1. Is The Damage Part of An Exclusion?

Before considering anything else, start out by looking at the exclusions listed in the homeowner's insurance policy.

Firstly, not every policy covers roofing problems.

Secondly, of those that do cover them and the cost of hiring roofers to repair the damage, there will usually be some specifics as to what types of roof repairs are coverable and which are considered non-covered exclusions.

The determination may be related to responsibility for the damage; however, in any case if the damage is excluded then no, the insurance company will not cover it.

2. Who or What Is Responsible For The Leak? 

The biggest challenge to whether an insurance company will or will not pay to fix certain roofing damage is whether or not it was caused by a covered loss.

Anything else could indicate owner neglect, either by not taking care of the roof properly according to how the specific materials should be cared for or by not performing regular maintenance that eventually led to a failure that allowed the leak to happen.

Omitting regular gutter cleaning, allowing mold or mildew to grow on the roof, not removing branches and debris, and not acting when problems like curling or cracking shingles or a loss of shingle granules first start to become noticeable can all be interpreted as owner neglect.

In the insurance company’s line of thinking, general roof repair is not their responsibility when the damage is a result of some other problem, even if the problem is caused by failing to provide adequate care.

In some situations, these conditions might be covered by a roofing materials warranty if the problem is premature failure of the roofing installation and then it becomes a warranty issue.

3. Do Repair Costs Exceed The Insurance Deductible?

The last thing that roofers suggest homeowners investigate is whether the required repairs exceed the insurance deductible since it is possible that a smaller leak might be repaired for a fairly low cost.

It makes no sense to file a claim for under or just barely over the deductible amount and risk that claim submission affecting future premium costs if the problem is isolated and a roofing company can take care of it quickly and fairly inexpensively.

Smaller repairs are frequently better handled out of pocket even if the insurance company considers the damage a covered claim.

Homeowners Insurance Not Responsible For Every Roof Leak

Roofing leaks can be complicated, especially when it comes to determining who is responsible for paying to repair them.

Homeowners should avoid assuming their roof is automatically covered under their general homeowner’s policy, as there may be exclusions and other stipulations there that alleviate the insurance company from responsibility.

The best way to avoid complications about who will pay for certain roof repairs is to get a clear understanding of what the policy does actually cover and then take care of the roof with proper maintenance.

Experienced roofers can help homeowners determine the cause of a leak as well as explain the maintenance and special care a roof should receive to prevent the damage that could require costly repairs.

Need Leaky Roof Repair In Decatur Georgia?

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Call 404-998-8984 To Schedule an Estimate!