There are a variety of exclusions involved in roof insurance and homeowner’s policies which do not cover certain areas of the home. The roof exclusions happen to be one of the more common types of exclusions. Here is a list of the roof exclusions you need to be aware of before you take out a policy.
Replacing your roof will not be covered by homeowners insurance. Even though roof repairs are covered for circumstances such as leaks, the replacement of a full-roof will be something you will need to pay out of your own pocket.
The age of your roof along with the layering will determine if coverage will apply. Old roofs which are 10 to 20 years old are usually not covered. Reasons behind not covering the older roofs can be compared to offering health insurance to an individual who is already sickly. There are various risks involves and virtually no hope for any profits for extending this type of policy.
Even though the majority of the roof insurance based policies will cover any damage that is caused by fire, tornadoes, hurricanes, and vandalism, some exceptions will apply when it comes to events that are avoidable. For instance, if the homeowner has failed to maintain their roof correctly or has failed to stop damages that were avoidable, the coverage falls away.
The repairs in regards to roof defects are in most cases covered by your insurance policy, provided that the repairs will be conducted with parts and materials that hold the same monetary value as the ones that are already present inside the roof. If you choose to make use of a better quality material or materials that are more expensive, than the existing one on your roof, you will need to cover these costs out-of-pocket.
You need to read over your insurance policy very carefully for the language that will void coverage in regards to specific types of roofing materials. Most of the policies have been written in such a way that they will only cover the roofs that have been made out of a specific material. For example, the insurers will usually not cover material types such as cedar shakes or durable slate as this material is more prone to breaks or damages. Also, the roof insurers will also not provide coverage for roofing materials that are costly to repair or hard to find.
In addition, a few of the latest roofing materials will also not be covered by roofing insurance policies. Even though the latest “green” and environmentally friendly roof materials may be beneficial to our environment, most of the insurance companies don’t extend coverage if these are used in a roof repair or installation. This is because the roofing insurers are more comfortable with working with the materials that they know about and are more familiar with.
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High Performance Restoration LLC
6500 Preston Rd #201
Frisco, TX 75034