Can Home Insurance Cover Roof Repairs?

If the roof on your Wayzata, MN, residence needs repair or replacement, you may wonder if your home insurance will cover this project. The answer varies based on several details, such as your specific insurance carrier and the reason why your roof requires repair. It may also depend on the severity of the damage.

What’s Covered?

Roofing normally qualifies for coverage when a covered disaster or event harms it. Home insurance typically covers damage caused by house fires, hailstorms, and windstorms. The same goes for tornadoes and wildfires. Keep in mind that a deductible usually applies. Certain policies apply different deductibles to damage inflicted by high winds or hail.

Some insurers won’t cover roof damage that only affects its appearance. Your policy may provide coverage after hail or wind harms your roofing materials severely enough to undermine their purpose. This means that the damaged shingles or metal surfaces allow water to enter your home when it rains or snow melts.

What Isn’t Covered?

Home insurance won’t cover your roof if it needs repair because of gradual decay or lack of maintenance (such as heavily rusted metal roofing). The same goes for defects in manufacturing and installation. A few types of disasters are excluded from regular homeowners policies, such as earthquakes. If you own any outbuildings or have tenants renting a building from you, remember to discuss this with your agent to ensure you have the proper coverage.

Pizano Insurance can help you find a policy that adequately protects your roof and the rest of your home. Our independent agency in Wayzata, MN, allows customers to shop for policies from various major insurance companies in one place, saving considerable time. To learn more, please call Pizano Insurance at 763-447-4977.