How Your Roof’s Condition Impacts Your Insurance Policy

Roof repairs are those things you don’t think about until the ceiling springs a leak. However, you might experience problems with your homeowner’s insurance if you disregard any form of roof damage that requires an immediate fix. 

Homeowner’s Insurance and Your Roof

You carry homeowner’s insurance to protect you in the event something goes wrong in your home. In the context of your roofing system, it can mean taking responsibility for ensuring it is in top condition through routine maintenance and repairs as well as roof replacement. Not only do policies cover the entirety of claims, but there’s a likelihood that the insurer will at least pay for a significant portion.

The Role of Your Roof’s Condition

When you file a claim for storm damage roof repair, one of the things your homeowner’s insurance will consider is your roof’s condition. If it needs extensive repairs, it can cause a considerable impact on the overall value of your home as well as expose everyone to safety issues. Roofing problems can likewise increase your rates and even hinder your chances of getting covered. Aside from the roof’s condition, insurance companies also take the age and the type of roofing materials and components into account.

Your roof performance also hinges on its capability to withstand harsh weather conditions. If it is in poor condition, it may suffer damage caused by wind-carried debris and heavy downpour. The roof will eventually deteriorate, exposing your home to moisture problems. In this situation, it is possible for the insurer to drop you.

Christian Brothers Roofing is the leading residential and commercial roofing contractor in the area. With over two decades of experience, our team works quickly and thoroughly to identify issues and get the damage under control. Call us today at (502) 244-0208, or fill out our contact form to request a free estimate.