What Kind Of Roof Repairs Are Covered By
Homeowners Insurance In Round Rock, TX
Getting Full Coverage For Your Home Is A Hassle…
Legacy Roofing Pros Offers Helpful Assistance!
If you’ve noticed problems with your roof lately, it’s important to get timely roof repairs in Round Rock, TX. Roofing problems can put a damper on even the brightest of days. They’re costly, messy, and a hassle to deal with overall.
And when disaster strikes, many homeowners in the Greater Austin area may wonder: Will my homeowner’s insurance cover my roof repairs?
Sadly, the answer to this question is quite complicated. And it all depends on the type of damage your roof has suffered, its age, and many other factors.
But before you ever start to worry, Legacy Roofing Pros will be there to help.
We’ll take you through some common scenarios where homeowners’ insurance will and won’t cover roof repairs.
Your Round Rock, TX Roof’s Age Plays
Plays A Part In Its Insurance Coverage
One of the first issues when it comes to getting your roof repairs covered by homeowners’ insurance is the age of your roof.
Insurance companies hate paying for roof repairs.
It’s in their best interest to deny your claims at every turn. One of the ways they do this is by not covering roof repairs on roofs past a certain age. Roofs in the Greater Austin area typically have an expected lifespan.
Depending on the material, they are expected to last between 15 and 25 years. Once a roof has passed its expiration date, your insurance company will no longer cover roof repairs for it.
Roof Repairs Caused By Peril Will Typically
Be Covered By Your Home’s Insurance
Now, if your roof isn’t quite at its expiration date yet, roof damage caused by peril will be covered by your homeowner’s insurance.
What is considered to be “peril?” Well, depending on your insurance company, not as much as you’d think…
Most insurance-covered roof damages caused by peril include:
- Wind damage
- Hail damage
- Fire damage
- Lightning strikes
- Fallen trees
In general, if you could classify your roof damage as a “freak accident,” there’s a good chance that it will be covered by your insurance company. But there is a caveat to this…
For example, fallen trees are generally covered by a homeowner’s insurance. However, there are cases where they could argue that neglected tree maintenance contributed to the tree’s fall.
So, it’s essential to be aware of the tactics that insurance companies may use to deny your claim.
Roof Damage Caused By Lack Of Maintenance Will Not
By Covered By Round Rock, TX Home Insurance
Most accidents are typically covered by homeowners’ insurance. But if your insurance company can show that your roof damage was due to neglect, you may soon be eating the full bill for a roof repair.
Roof leaks can be caused by aging shingles, wear and tear due to years of harsh weather conditions, and damage resulting from insufficient roof cleaning, inspections, or timely maintenance.
None of these will be covered by your homeowner’s insurance.
This is why it’s essential to work with a reputable roof repair company in Round Rock TX for routine inspections. This ensures that your roof is well-maintained and ready to withstand the worst that Austin’s weather has to offer.
Your Roof Repair Insurance Claim May Be Denied
If Your Roof Was Installed Improperly
In addition to neglectful maintenance, another reason your insurance claim may be denied is due to a poor installation job. Far too often, homeowners in Austin will enlist the work of cheaper contractors in hopes of saving a bit on a roof repair or replacement.
But when dealing with your insurance company, this can come back to bite you.
Shingles that don’t have enough nails, crooked shingles, materials that don’t match, underlayment and waterproofing that wasn’t done properly…the list goes on.
Any roof damage caused by poor installation or inadequate repair can be easily denied by your insurance company.
So, if you don’t want to deal with all of the hassle of being denied insurance claims for your roof repair in Round Rock, TX, contact the professionals at Legacy Roofing Pros today to get a free quote or roof inspection.
