Does your roof need repair, but you are worried about the cost of repair? Or do you wish for roof repairs, but have limited finances? Are you worried whether your home insurance covers your new roof or roof replacement? Worry not, Coastside Roofing, a professional roofing firm in Australia, has the answer to your question.

Coastside Roofing has been in business for the past decade and all their clients are satisfied with the services they provide. They help you install new roofs or repair damaged ones. Hence, they have experience in home insurance and home repairs. Read on to find out if home insurance will cover your roof repair.

Why do People Ask if Insurance Covers Roof Repairs

Real estate owners and homeowners are often uncertain if insurance covers roof repairs. This is why they frequently ask roofing companies like Coastside Roofing if insurance can cover their damaged roofs. It is often common to see roofs get damaged, mostly by natural elements or due to wear and tear. But sometimes, to repair it, it will cost the property owner a huge cost. The time to repair might come at a time the owner isn’t financially capable to bear all the costs. Therefore, they look for alternative means.

What causes Roof Damage?

Roof Damage

Most roofs are damaged by heavy winds, hailstorms, rain, harsh sun, and so on. Even if your roof is new or made of strong material, it can’t withstand being constantly exposed to these conditions. So before you make plans to repair your roof, find out if your home insurance covers this. Some homeowners go ahead with roof repairs without knowing that their home insurance covers the repair. At the end of the day, they lament their failure to take advantage of their home insurance.

Why do People Take Home Insurance?

Home Insurance

The reason most homeowners insure their properties is due to unpredictable damages. Coastside Roofing agreed that some damages cannot be prevented no matter how prepared property owners are. Different scenarios present themselves that cause damage to properties that are out of the owners’ control. Therefore, insurance companies will provide insurance coverage for disasters and accidents.

What Type of Roof Repairs Does Home Insurance Cover?

Some home insurance coverage depends on the type of home insurance you take. If it is stated that roof repairs are part of the insurance coverage plan, then your insurance company will cover the cost of the roof repair. However, it is different if there are certain stipulations in the plan. For example, your insurance policy only covers one type of roofing sheet. However, if you use another type of material, the insurance won’t cover it. Or if the roof is damaged from causes not stated in the insurance policy, the firm won’t reimburse you.

Home Insurance and Roof Damaged by Natural Disasters

It is necessary to understand the concept of home insurance. Theoretically, house insurance covers reconstruction or home repair and protects owners from disasters that are out of control. This includes floods, bushfires, etc. Some insurance policies for house owners also compensate people for roof damages that may have occurred due to vandalism.

Common Misconceptions about Home Insurance and Roof Repairs

Insurance Covers all the Affected Areas:

Many homeowners think that home insurance will cover all the areas damaged by nature or man. This is not true at all and has caused many homeowners to be disappointed. Many insurance firms only cover parts of the damaged areas. That is, they only compensate you for the area directly affected. You also get compensated when your roof gets damaged from a burglary attempt. In a nutshell, several insurance firms will cover part of roof repairs, but not all. This is mostly true for people that use slate tiles for their roofs.

Insurance Covers all Storm-Related Damages:

Home Insurance

This is wrong because not all insurance doesn’t cover all damages caused by storms to a house. For instance, a storm caused your roof to leak during heavy rainfall. Ironically, it might not be the storm that caused your roof to leak, but rather something else. As a result, some insurance policies might not cover such a scenario. But if the homeowner can prove his roof leaked due to the storm, he might be compensated. However, if the roof leakage was a result of another problem with the house, it isn’t possible to get compensated.

How to Know if Your Roof Repair is Covered by Insurance?

Coastside Roofing, also called Sunshine Roofing, implores homeowners to get in touch with their insurance company. Doing so will equip them with the home insurance knowledge they need. Their insurance firm will tell them if their policy covers roof repairs. And for those who are yet to buy a home insurance plan, cover all these areas before signing up. Ask the firm about their coverage policies and requirements. For example, how will the building type and location, roof materials and duration, and claim frequency affect the insurance coverage? Additionally, you can also browse through the insurance’s website to get more detailed information.

Conclusion

Every roof is different and has different installation, maintenance, and repair techniques. Most times, many homeowners are faced with roof problems even the manufacturers didn’t anticipate. Therefore, they are put in a difficult situation when it comes to repairing such roofs. This is why roofing companies like Coastside Roofing try their best to let clients understand the roofing materials they sell.