Does Homeowner Insurance Cover Roof Leaks?

 

Being a homeowner can mean many things. It means freedom, as well as responsibility. It means when something goes wrong, it is your responsibility to address fixing the issue. If you are a homeowner and find yourself in need of repairs, you may ask, “Will my Home Insurance cover the cost of this repair?”

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Home Insurance is a necessity for any homeowner. When something unforeseen occurs, your insurance may be able to provide coverage to help you manage the costs of your repairs. One of the largest expenses a homeowner may incur is a roof replacement. If you find yourself with a leaking roof, contacting your agent or insurance company is the first step in determining coverage.

What Caused the Leaking Roof?

Every insurance company provides its own policy for homeowners coverage. Whether a specific incident will be covered will depend on the language of your policy and the cause of the damage. In the case of a leaking roof, the cause of the leak matters. For instance, if your roof was a casualty of a late spring thunderstorm, and suffered damage due to a fallen tree, then you likely will have coverage under your Homeowners Insurance policy. However, if you were aware your roof was thirty years old and slowly deteriorating, you will likely not have any coverage.

Many insurance policies are written to cover damages when the damage is “triggered” by an event.  The triggering event can be an accident, such as something falling on your roof, or a weather-related incident that caused damage. Each policy is unique, but if a specific event caused the roof to leak, then it is worthwhile to call your insurance agent and discuss reporting a claim. Your insurance company will investigate your leaking roof, the cause of the leak, and advise whether you have coverage to help cover your roof repairs costs.

Final Thoughts

Selecting the right insurance company can be a daunting task. When shopping for the right policy and the right coverage, it is important to keep in mind the things that are important to you.  When talking with your agent, be specific about the type of home you own and the age of your roof. Remember to discuss the area around your house, such as trees or power lines. Your agent will be able to help you select the right insurance company for your homeowner needs.

To learn more about Home Insurance, contact  Doug Myrick in Port Charlotte, FL at 305.741.3684. 

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I Can't Believe it's Thanksgiving Weekend

 

I find myself feeling a little emotional and a whole lot grateful. First of all, I want to thank all of my team at Colonial Life that continually makes me look good and take care of our clients like no one else in the voluntary benefits business. I also want to thank all of the consultants, vendors, PR partners, and "masters of our universe" that make the machine run, so I can stay in my lane and do the part I love to do, talk insurance!

And of course, I want to do a quick shout out to my home team. Kathy, I'm so thankful to have you as my wife of three years. And, to my daughter Molly, grandson Lucas, granddaughters Jayna & Delilah, I'm blessed to be a part of your lives.

During a year that has been a tough one for our country and many families, it is a privilege to do good work. I'm honored if you've looked to my team and me to help you feel secure about your lifestyle or for ways to take care of your families. We're humbled by the trust you have instilled in us to guide you about your future financial security.

So, if you're out there reading this during the most giant inbox swirl of the year, wow. High-fives and love to our wonderful clients that put up with my brutally honest approach and tone. Your best interests are always at the forefront of everything we do. And, two-way conversations with you via calls or comments are what make it fun.