Will Homeowners Insurance Cover My Residential Roof Repair?
When it comes to repairs on your home in New Jersey, you may wonder if your homeowner’s insurance will cover the cost of a residential roofing repair. The answer to this question depends on the circumstances of the roof damage. Generally speaking, homeowners insurance will cover repair or replacement of a roof if it is damaged due to natural events such as hail, windstorms, or fire. The policyholder must ensure their coverage includes these types of damage for the insurance company to issue payment for repairs.
On the other hand, most homeowners insurance will not cover normal wear or a roof that has outlived its life expectancy. This exclusion means that any repair costs associated with aging roofs are typically the homeowner’s responsibility.
When a policyholder is attempting to determine whether their insurance will cover a roof repair, they should contact their insurance provider or agent and ask questions about coverage for natural disasters and aging roofs. The homeowner should also inquire about other types of damage that may be covered under their policy. Next, you want to speak to a qualified residential roof repair expert. The knowledgeable team at Matute Roofing will help you move forward in your roof repair, select the best option to service as the first line of defense from inclement weather and add the beauty you desire to your home. Don’t waste time or put off your residential roof repair; contact the best roofer in the Wayne, NJ, area – Matute Roofing!
Covered Repairs
If your roof has been damaged due to inclement weather, such as hail, then your homeowner’s insurance may provide coverage for a residential roof repair. In these cases, they will typically cover the materials and labor needed to repair it. Additionally, your policy may provide more protection if you purchased additional coverage, such as hail damage or wind damage insurance.
However, homeowner’s insurance may sometimes not cover a roof repair. Generally, this is due to wear and tear from age or lack of maintenance. For instance, the insurance company may not provide coverage if the shingles are worn down or installed improperly. Additionally, if the roof has been damaged due to poor installation practices, your insurance company may deny coverage for any repairs. For this reason alone, inspecting your roof and ensuring that a reputable company maintains it is essential.
Working with a trusted professional like those at Matute Roofing, who documents work completed on your home, also helps navigate the world of homeowners insurance and residential roof repair coverage. They can provide clear documentation to prove the steps taken on your roof installation and track any maintenance services completed for your home.
Roof Leaks = Residential Roof Repair Questions
Knowing the cause of your roof leak, exactly how the damage occurred, and when it occurred is critical in understanding if your residential roof repair will be covered by insurance. It is essential to understand that sudden, accidental damage is typically covered while regular maintenance issues are not.
“The dwelling coverage portion of your home insurance policy protects your home’s structure from a variety of ‘covered perils,’ or causes of loss.” According to New Jersey Insurance Expert Paul Martin, this often includes perils, including fire and hail.
When a tracked hailstorm causes your roof to leak, your policy would likely cover the necessary repairs. Additionally, if any items inside your home are damaged during the same storm and due to the roof leak, the personal property coverage portion of your home insurance policy would pay for repairing or replacing damaged possessions.
Is My Residential Roofing Repair Covered?
According to the Insurance Information Institute, a wide range of roofing perils are covered by home insurance and could result in payment for your residential roof repair, including:
- Fire and smoke
- Lightning
- Windstorms and hail
- Explosions
- Damage from an aircraft or vehicle
- Falling objects
- Weight of ice, snow, or sleet or water damage due to ice, snow, or sleet
You must understand what is covered under your homeowner’s policy as a homeowner. Some incidents you believe should be covered may not be. Specific policies exclude damage caused by windstorms and other causes of loss like floods, war, and intentional damage. Windstorm damage is typically covered in New Jersey but is likely subject to a separate deductible. If you need clarification on whether or not your homeowner’s policy will cover a residential roof repair in New Jersey, it’s best to contact your insurer.
Trusted Professionals With Your Home in Mind
If your home suffers from roofing damage or needs repairs due to age, repair it quickly. It’s best to contact a reputable local company like Matute Roofing. They will be able to assess your needs and provide you with the best options for repair or replacement.
No matter the size of your project or repair, it’s vital to ensure you work with reliable professionals who understand New Jersey laws and regulations regarding residential roofing repairs. By working with knowledgeable local tradesman, they can address any potential complications in completing the job.
Choose Matute Roofing for Your Residential Roof Repair
Matute Roofing is a top-of-the-line roofing company in the New Jersey area that strives to provide exceptional customer service and maintenance, repair, and installation services. We are a credentialed, licensed, and insured roofing company with over two decades of experience in the industry. Matute Roofing is committed to serving you the finest products that professional and courteous workers deliver. You don’t just have to take our word for it -read our satisfied customer testimonials!
If you require maintenance, repair, or roof replacement, don’t delay – contact Matute Roofing! We know you will be happy with your choice!