Reasons Your Insurance Won’t Pay for Roof Wear and Tear

When your roof has issues, your insurance is one of the first things that comes to mind. You can expect your insurer to cover damage due to extreme weather events. However, if the problem occurred due to negligence or lack of maintenance, they might refuse your claim.

 Roof Wear and Tear

Keep reading to discover reasons insurance providers won’t pay for regular wear and tear to the roof.

Why Your Insurer Won’t Pay for Roof Wear and Tear

Wear and tear is something insurance providers usually don’t cover. As a homeowner, it’s your responsibility to maintain your home, and that includes caring for your roof. This is among the many reasons it pays to invest in regular roof inspections and maintenance.

Addressing repairs early and keeping up with maintenance goes a long way in prolonging the life of your roofing system. Failing to maintain your roof can have consequences later when you file a storm damage insurance claim. If your insurer discovers that your roof didn’t receive proper upkeep, they may refuse to provide full reimbursement for repairs.

What Insurance Providers Usually Cover

If your roof suffers from storm-related damage, your coverage depends on its age and the policy you have. Your coverage minus your deductible will help cover your roof repair costs. If your belongings inside have also been affected due to roof damage, your personal property coverage may assist with the repair or replacement costs. Before filing a claim, be sure to read your policy carefully to determine its inclusions and exclusions.

A dependable roofing company will have no problem assisting you with your insurance claims. At Winfield Builders, you can rely on us for your roof repair and replacement needs. Call us at (410) 401-5045 or fill out our contact form to get a free quote. We serve clients around Annapolis and Columbia, MD.

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