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?”
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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