Filing insurance claims for roof repairs can come with a lot of uncertainty for business and home owners whose properties are affected by roof damage.
When it comes to roof damage and the required roof repairs, and regardless of whether the roof is new or old or made up of metal, slate, tiles or asphalt, both property owners must first assess their situations and determine whether it can be covered by their insurance policies before embarking on renovating exercises.
One of the things that many property investors do not know is that most of the roofing problems can be covered by insurance but it all depends on the insurance policy you choose.
If the roofing issues are covered, you can then submit your claim through your insurance company and get a reimbursement for the repair expenses. Having said that, it’s worthwhile to note that every roof is unique—the same way insurance policies are.
Does Home Insurance Cover Your Roof?
First and foremost, let’s understand the basics. Theoretically, home insurance should cater for the cost of repairing or rebuilding your home, helping you to safeguard your property against things beyond your control. This includes natural disasters such as hail, floods, storms and bushfires.
As it is, most homeowner insurance policies cover roof damage caused by other issues such as vandalism.
And even though rain, wind, hail and floods are covered by most insurance policies, there are several factors that determine if certain damage to a roof will be covered and if so, how much the client will be reimbursed for the required repairs. These basics are applicable to the exterior elements directly attached to your home’s roof such as the roof gutters and sidings.
At this juncture, it must be understood that the best way to confirm what’s covered or not covered by your insurance policy is to contact your insurer.
In most instances, roof coverage will depend on the age of the roof, the location of property, the design of the house, the roofing materials as well as the frequency of claims from the area. In addition, you should be able to access this information in your insurance policy and your insurer’s provider.
Unpreventable Roof Damage Typically Covered By Insurance:
- Bushfire, house fire and smoke
- Electrical surge
- Crimes such as theft, rioting, vandalism etc
- Damage caused by a vehicle or aircraft
- Heavy build up of ice, snow or sleet
- Falling objects such as trees or tree branches
- Water damage excluding flooding
Generally, most insurers provide roof repair insurance where unpreventable damage has occurred on your gutters or the roof at large. This may be caused by fires, burglary, storms, vandalism, falling trees or any sort of accident.
In essence, the main reason why property owners take home insurance is to cover for accidents and disasters that are beyond their control.
However, it’s worthwhile to keep in mind that most insurers only repair the “affected areas” of your property, that is, the roofing area that was directly damaged due to the storm or accident.
An ideal situation would be having to receive compensation for repair of one or two damaged tiles after a storm blows off several slate tiles on your roof.
One of the common misconceptions is that insurance providers cover storm damage. This is untrue. Just because your gutters or roof is leaking during a storm doesn’t automatically mean the leakage was as a result of the storm and won’t necessarily be covered in an insurance claim.
The 1 million dollar question that every homeowner should answer is this: did the storm actually cause the gutter or roof problem? Or, was the problem already existing by the time the storm hit?
This is where Storm Assist can help you – have your FREE pre or post storm roof inspection today and we can identify any damage that may be there!
Signs of Roof Deterioration
- Broken seals
- Rusted valleys and roofing sheets
- Cracked mortar
- Roof penetrations
- Porous tiles
- Blocked gutters
- Sagged or cragged flashings
While repairing deteriorated roof is often not covered, sometimes insurance companies reimburse the costs arising due to lack of maintenance. This may mean being compelled to make plans to have the repairs fixed by a contractor, paying the excess policy amount then the insurance provider will be at discretion to decide how much to reimburse you for the repair costs. In most cases, this will depend on the age of the property and the condition of the roofing materials.
Poor Workmanship & Roof Insurance
If your roof has been damaged because of poor workmanship or poor roof installation, the necessary roof repairs may not be covered by your insurance company. This includes rushed, poor design or installation, as well as poor quality craftsmanship. This is why it is very important to engage qualified, professional and experienced roofing contractors for all your roofing needs.
Storm Assist provides honest quotes for expert roof inspection, assessment, and roof maintenance and repair services from the best roofing contractors in Australia. Most of our chosen contractors repair roof damage that’s accidental and covered by most insurance providers as long as the roof has been well-maintained. To get a free estimate now for your roofing needs, click here.
The information contained in this article is of a general nature only. It does not take your specific needs, objectives or circumstances into consideration, and is not financial advice, legal advice or otherwise a recommendation to purchase any financial product or insurance policy. You should seek your own independent financial advice from a qualified financial and insurance adviser before making any financial decisions, and seek your own independent legal advice from a qualified solicitor before making any decisions of a legal nature.