Roof Insurance: All You Need To Know

March 29, 2022

Roofs are regarded as one of the most critical components of a home by home insurance providers. They help protect your home from the outside elements and can be a costly investment to repair or replace. That’s why it’s important to have roof insurance services in place to help protect you financially in a covered roofing incident.


But What Exactly Is Roof Insurance, And What Does It Cover?

Residential roof insurance is a specific type of insurance that covers residential roofing damage caused by particular events such as natural disasters, fires, or vandalism. It can help protect you from paying the total cost of repairing or replacing your roof out of pocket.

Most home insurance providers offer roof insurance services as an optional add-on to your policy. However, it’s important to note that not all providers offer the same level of coverage, so be sure to read the policy details carefully. Some providers may also have specific requirements for qualifying for roof insurance coverage, such as having a specific type of roofing material.

Relevant Aspects To Consider:

  • Coverage varies by policy, but most roof insurance policies will help pay to repair or replace your roof if a covered event damages it. If you incur any damage, check with your insurance provider to see if you’ll be compensated half, entirely, or not.
  • Roof damage caused by fire, vandalism, and “acts of God,” such as hurricanes and tornadoes, is frequently covered by homeowners insurance plans. Your policy and the age of your roof will decide the amount to be paid.
  • A 10-year-old roof that has been damaged will most likely be covered for a complete replacement. However, the insurance company may only reimburse you for the value of an older roof at the time of the damage if your roof is 20 years old or older.
  • Some insurance companies refuse to renew homeowner insurance on homes with roofs that are more than 20 years old unless they pass a roof inspection.
  • Roof replacement can cost $10,000 or more, and you may need to make that investment if you want your house to be covered.
  • Insurance may refuse to pay for damage caused by a leaking roof if it is not adequately repaired.

Tips To Protect Your Roof

  • Take pictures to document roof damage and submit them to your insurance provider.
  • If your roof is older than ten years, you should contact a roof inspector to assess it for damage and places to be repaired.
  • Any shingles or tiles that are cracked or worn should be replaced. If your house is judged to be in disrepair by an insurance inspector, such as a leaking roof and damaged or missing windows, your insurance company may terminate your coverage.
  • Trim trees that are hanging over your house.
  • If your roof has been damaged, contact your insurance carrier and request an inspector to evaluate the situation.

Residential Roofing Services In Texas

Are you looking for a reliable roofing company that can handle your residential roofing needs? Urtiz Roofing & Waterproofing is the company to call! We provide a full range of roofing services, from roof inspections and repairs to replacements and installs. 

We recognize that a defective roof may be a significant problem. Therefore we work hard to complete the task as fast and effectively as possible. 




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