Roof damage is one of the most common problems that Florida homeowners face. Most homeowner insurance policies cover roof repair and replacement, but coverage depends on several factors. At Di Pasqua Construction Inc., we understand you may have questions about what insurance covers, what it doesn’t, and why. Keep reading to learn the answers to these questions and more.
Common Reasons for Roof Repairs and Replacement
Some of the most common problems leading to roof repair or replacement include:
- water damage
- mold and mildew
- structural damage
- punctures or holes
- missing and damaged shingles
What Insurance Typically Covers
Generally, insurance policies cover roof repairs or replacement due to damage caused by nature or other events outside the homeowner’s control. For example, policies typically cover damage caused by hailstorms, high wind, snow, and ice. They also cover repair or replacement if fallen trees or branches damage the roof.
What Insurance May Not Cover
While homeowner insurance policies often cover roof repair and roof replacement, some exceptions exist. For example, most policies do not cover damage resulting from homeowner negligence. If you knowingly install subpar roofing or neglect to maintain the roof, insurance likely won’t cover the cost.
Another reason insurance may not cover roof repair or replacement is because the repairs are cosmetic. For instance, fading and discoloration occur over time and aren’t covered by insurance. Moreover, insurance doesn’t cover replacing a roof because of its age. Nothing lasts forever; eventually, things like windows, furnaces, and other house systems require replacement. Replacing end-of-life items is simply an aspect of homeownership and is not covered by insurance.
Insurance Deductibles and Limits
It’s important to note that most insurance policies include deductibles and limits. This means that you must pay the amount of your deductible out-of-pocket before the insurance company steps in. In addition, the insurance company will only pay up to a certain amount for a roof replacement. Homeowners should understand how much they may have to pay out-of-pocket and stay within their policy limits. Check your specific policy to identify everything included in your plan.
More Than Roof Repair and Replacement
Hopefully, you find this information about roof repair and replacement helpful. Insurance policies vary, so be sure to review yours and contact your insurance agent with any questions. Whether your residential or commercial roof needs work, Di Pasqua Construction Inc. can help. Call (561) 275-2406 for service in West Palm Beach, Fort Lauderdale, and nearby cities, or get a free online quote.