If you have an all-perils homeowners’ insurance policy, it may cover a new roof.
How coverage works?
Of all the components of a building, the roof has the most significant and direct exposure to the elements. It withstands rain, storms, hail, hurricanes, temperature variations, UV exposure, snow loads and more.
Obviously, Mother Nature can cause a lot of damage to a roof, which can be direct (like a heavy storm) or indirect (making a tree branch fall onto the roof, or other debris crashing down, caused by other reasons).
A homeowner’s insurance policy typically protects building owners from this type of damage and destruction caused by acts of nature, covering for a total or partial roof replacement. Talk to your insurance agent for a full understanding of your insurance coverage.
So far, so good. The bad news is that you will not be eligible for reimbursement if the roof has exceeded its lifespan, or if you cannot make proof of performing regular maintenance on it. The general maintenance is the responsibility of the building owner and must be performed by reputable Fort Worth roofers, in order to count for making an insurance claim. Simply put, if you ignore your roof, the damage that may occur will be associated with neglect and NOT covered!