Do You Have A Leaking Roof? But Will Your Homeowners Insurance Cover It?

On a pleasant weekend, you and your family are relaxing at home in Cedar Grove, NJ. Then, all of a sudden, dark spots on the ceiling drew your attention. You know what that means: water is leaking through your roof! A leaking roof can be quite inconvenient.

Leaking roof

They are costly to repair; according to Forbes magazine, the cost of repairing your roof can range from $25,000 for a shingle roof replacement to more than $40,000 for a metal roof replacement.

The cost varies according to what needs to be repaired or replaced. Furthermore, whether you are hiring an independent contractor in Cedar Grove, NJ, or contacting an insurance company following damage caused by severe weather such as hurricanes.

If you're wondering if your homeowner's insurance will cover leaking roofs and the damage that can occur as a result, our roofers can help.

Is Roof Leakage Covered by Homeowners Insurance?

Roof damage is one of the most prevalent homeowner's insurance claims. Regrettably, not all of them are valid or have been paid out.

Roof damage is near the top of the list of the most common homeowners' insurance claims.

1. Regrettably, not all claims are genuine or reimbursed.

2. Most home leaks are covered by your insurer as long as you were not negligent in causing them.

3. For example, if a leak is caused by an open, should only cover damages connected to water flowing into other sections of your house, and will most likely cover repairs for broken windows, but may deny responsibility when normal wear and use causes problems with shingles, and so on.

4. If it is due to a lack of maintenance on your part, your firm will not refund repair charges. When it comes to roof maintenance, homeowners frequently overlook the most crucial aspects of care, such as a roof inspection. If you want insurance companies to recognize damage caused by natural catastrophes or storms rather than "carelessness," have our professionals in Cedar Grove, NJ do an annual roof inspection!

Roof damage

What types of roof leaks are covered by your homeowner's insurance?

The reasons for a leaky roof that your Cedar Grove, NJ homeowner's insurance carrier will cover vary depending on the exact coverage on a policy and the surrounding circumstances. Most homeowners insurance policies cover the following perils:

Lightning or fire

Hail and wind damage

Explosion

Riot\sAircraft\sVehicles

Trees and branches that have fallen

Vandalism

Smoke\sTheft

The weight of ice and snow

Pipes that have frozen

Weight-related collapse

Construction-related damage

Wires for electricity

Even if your homeowners insurance covers roof leak repair or replacement, you may be required to pay the deductible. A deductible is an amount that you must pay out of yourself before the insurance will pay any share of your claim.

What are the reasons for roof leaks that are not covered by your homeowner's insurance?

Roof insurance

Roofs can develop cracks and leaks as they age, resulting in damage. If you have a home insurance policy with a roof allowance, the regular wear and tear of your roof is normally excluded from coverage because it is a natural component of its deteriorating process. Some damages or risks, however, may be excluded from your homeowner's roof insurance policy, such as:

Earthquakes

Landslides/mudslides

Infestation of insects and animals

Floods

Rust and corrosion

Smog

War

Government's action

When a homeowner neglects their roof, they become accountable for unwarranted harm to their home's structure.

Insurance companies do not cover these types of concerns because they have been known to emerge as a result of the owner's negligence, or lack thereof, in keeping and caring for what is theirs.

Having said that, roof inspections should be performed every few years to ensure the roof is still in good condition. Making small roof leak repairs and doing normal maintenance, such as frequent gutter cleaning, can help to prevent major problems from arising later on.

Don't put off getting a roof check in Cedar Grove, NJ. Northkit Roofing is here to assist you with your leaking roof, and we provide free inspections for homeowners who have complete faith that the project will be done correctly! Call (973) 396-7416 right now.