Damage to roof may be covered by homeowner’s insurance policy

While maintaining many parts of a house is vital to it providing shelter, the roof plays a big role in keeping the elements out. This is true throughout the nation including in the state of Florida. Accordingly, it is not surprising that homeowners would be concerned with making repairs on a roof in a timely manner should it become necessary. While these repairs can be expensive, in some cases they may be at least in part covered by a homeowner’s insurance policy.

In most cases damage to the roof due to the following will be covered by a homeowner insurance policy:

  • Tornadoes
  • Hurricanes
  • Fire
  • Vandalism

Under certain circumstances damage due to hail, rain and wind will also be covered by an insurance policy. In making the determination of how much of that expense will be covered it is important to look to the insurance policy. For example, in some situations roofs that are older than 10 years may be covered in full. Instead, the depreciated worth of the roof could be paid. An insurance adjuster generally plays a role in making determinations regarding how much the insurance company will cover.

While sometimes the decision of an insurance adjuster is legitimate when determining how much of the damage will be covered, other times this is not the case. When a claim is denied, delayed or does not provide sufficient compensation for the policy purchased, a lawyer may be of assistance. That individuals can help you fight to get the amount you are owed. Depending on the circumstances this can be a lot of money.

Source: Hormesite Home Insurance, “Does My Insurance Policy Cover Roof Damage?” Accessed Nov. 14, 2014