After having to deal with roof water damage and all of the mess that it has caused, you definitely don’t want to experience that again. Fortunately, it is simple to prevent roof leaks. Having a qualified roofing professional do regular roof maintenance can help to prevent leaks before they have a chance to start.
Does Home Insurance Cover Roof Leaks?
To know exactly what your policy covers, you will need to read it carefully or sit down with a professional to review it. Note any specific causes that your insurance doesn’t cover, such as damage that is caused by floods, landslides, mudslides, and earthquakes. Typically, they also don’t cause damage that is caused by pest, fungus, or mold infestation.
How Home Insurance Works
Make sure you have a good understanding of the way that your homeowner’s insurance policy works. Quite often, there are coverage limits and deductibles that you need to consider. Deductibles are the amount you will have to pay when you apply for an insurance claim. On the other hand, your coverage limit refers to the maximum amount that your insurance provider will pay.
It is possible to have your coverage limit and deductible amounts adjusted to meet your needs. However, your monthly premiums would also then be adjusted. It is best for you to consult with your insurance agent so that you know how to best adjust your values.
Get Roof Leak Coverage
Make sure that your home insurance policy includes roof leaks. This will help to pay for repairs from the perils discussed above. In the long run, it will help you save lots of money. There are various home insurance companies that offer coverage for roof leaks. You just need to select the one that provides you with the best coverage at the best price. Having roof maintenance done on a regular basis will also help to prevent many of the worst leaks from occurring in your home so you will have fewer hassles to deal with.
Roof repair costs can vary widely from $100 up to $3,000. It can be a big help to have some or all of the cost covered by your insurance company.