Your roof is one of those things that is easily ignored, but can completely disrupt your life when it needs a repair. Since roof maintenance can be a hassle, you might neglect to schedule it if your roof isn’t causing any problems. Another reason why many homeowners avoid roof maintenance is that it isn’t covered by most home insurance policies.
Roof maintenance is one of the main ways to prevent future damage that can be very expensive. So what’s the real catch? Roof damage caused by neglect or a lack of maintenance isn’t covered by most insurance policies.
You may be wondering why roof maintenance isn’t covered by your home insurance policy since it’s so important. At Blue Fox Roofing, we’re here to share with you what roofing problems your insurance will and will not cover and give you some tips for proper roof maintenance.
What Roof Damage Will My Insurance Cover?
Every home insurance policy is different, so your coverage options will depend on your specific policy. Typically home insurance will cover roof damage from:
- Storm damage
- Fire damage
- Wind damage
In all these situations, the damage is sudden, severe and unavoidable. Keep in mind that you’ll need to meet your home insurance deductible before the insurance company starts to pay for the damage. The deductible amount will differ based on the provider and plan you have.
Will My Home Insurance Cover Roof Maintenance?
Home insurance policies don’t cover roof damage caused by long-term problems that are preventable through routine maintenance. Since insurance doesn’t cover damage caused by regular wear and tear, it’s important to schedule routine roof maintenance. The cost of annual maintenance is much milder in comparison to potential repairs and replacement from neglect.
Roof maintenance is an important part of responsible home ownership. When you schedule roof maintenance, you can rest easy knowing that you’re doing your part to prevent major issues in the future.
What Happens During Roof Maintenance?
If you schedule a roof inspection with Blue Fox Roofing, our roofers will look for the following:
- Clogged gutters
- Broken shingles
- Debris and growth on the roof
- Cracked pipes and vents
- Roof sags
Once the roofer completes the inspection, they will write up an estimate for any repairs. If there are no necessary repairs, the roofer will write up a report of the inspection.
When Should I Schedule A Roof Inspection?
If you are in any of the following situations, you may want to consider scheduling a roof inspection:
- Your home has obvious roof damage (missing shingles, roof sags, leaks, ceiling stains).
- You’re changing insurance policies or renewing your existing policy.
- You’re buying or selling a house.
- Your home was recently hit by a strong storm (even if there is no obvious damage).
Even if you don’t notice any damage, we recommend that you schedule a roof inspection at least once a year. Routine maintenance is the best way to catch problems before they become so big that a roof replacement is necessary.
How Do I Schedule Roof Maintenance?
If you need of roof maintenance, a roof leak repair or a whole roof replacement, Blue Fox Roofing has your back. We perform a roof services that Charlotte residents trust. Contact us today to schedule an appointment!