Home Insurance and Roof Costs
Posted on March 8, 2023 at 2:39 pm | Uncategorized
How Does Home Insurance Help with Roof Costs
Insurance is one of those things that we can take for granted until we need it. Homeowners are required to have home insurance for many reasons including weather damage, fire damage or theft. Today we will explore how home insurance protects your roof and can help in repair or replacement situations. Always consult your individual home insurance policy to know what is covered or what deductibles may apply.
Homeowners insurance typically covers roof damage due to severe weather, tree damage or unexpected acts of nature. Insurance does not typically cover older roof maintenance or repair.
Some insurance companies require roof inspections before coverage, especially if the roof is older. The typical roof lifespan is 20 years. Roofs older than 20 years may be excluded from some coverage. Roof maintenance is important to prevent expensive repairs in the future.
There are ways you can improve the longevity of your roof even if it is not covered by insurance. This includes:
– Regular inspections and maintenance
– Pruning nearby trees
– Cleaning gutters
Roof replacement can be a costly undertaking. Commit to keeping your roof well maintained by identifying a reputable roofing company to inspect and repair your roof. Most homeowners underestimate the cost of roofing repairs or replacements and do not have the coverage in place to cover those expenses when needed.
The team at Phoenix Roofing can help you maintain your roof through annual maintenance and inspections. Should repairs be needed they can recommend the most effective and painless options. Contact Phoenix Roofing today to set up your inspection!
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