Roof Wear and Tear Isn’t Covered By Insurance, Here’s Why

Although regular care and maintenance are necessary to keep your roofing system in top form, it can only slow its inevitable deterioration. Damage can still occur to your roof over time, but this should be covered by your homeowners’ insurance depending on what caused it. But if you have roofing damage due to natural wear and tear, can your policy still cover the repair costs? Trusted roofing and siding contractor Shine Construction Inc. shares more insight:

Why Wear and Tear Isn’t Covered

Your roof will be subject to natural wear and tear because of its constant exposure to the weather elements. As such, the resulting damage on your roof won’t be covered by your insurance policy. Common types of wear-and-tear damage include faded shingle colors, which indicate your roof’s lifespan is at its end, and dark spots, which are caused by granule loss. 

When you adopt an insurance policy for your home, routine maintenance is typically required to keep it intact. But even if it’s maintained by professional roofing and siding replacement contractors, the natural deterioration of a roof can only be slowed down. Emergency repairs won’t always be needed, but you should still monitor your roof for potential signs that indicate underlying damage. You’re more likely to be covered by your policy if there’s sudden and severe damage from extreme weather. 

What Does Your Policy Cover?

Your insurance policy should cover the repairs for certain types of roof damage that can become more costly if left unaddressed. These include missing/damaged shingles, damaged roofing vents, damaged flashing and roof sag. As soon as your roof gets significantly damaged, you must file a claim and submit it to your provider whenever possible. Roofing damage can get worse over time, and if the claim isn’t filed soon, it starts to affect the rest of your roofing system. By that time, your insurance provider may not approve your claim because it wasn’t immediately addressed. 

If you’re looking for a professional who offers top-notch roofing and window replacement services, Shine Construction Inc. always gets the job done right! Call us today at (508) 278-3300 or through our convenient contact form online.