When it rains, it pours. The last thing you want to worry about is your roof’s reliability.

But, a leaky roof can cause more damage than just a few puddles on the living room rug. Mold, corrosion and standing water can damage your foundations, your ceiling and even your electrical wiring. A leaky roof can cost you thousands of dollars in repairs.

You might assume that your homeowner’s policy covers any repairs to your roof. Think again.

When Homeowner’s Insurance Covers Roof Damage, and When It Doesn’t

Homeowner’s policies will likely cover damages to the roof caused by acts of nature or other events that cause roof damage.

However, some policies take into account a variety of factors to apply how they will cover you in the event of roof damage.

  • If you haven't replaced your roof in its normal lifespan of about 15-20 years, an insurance company may reduce its coverage or payouts.
  • Some areas require flood insurance to cover water damage instead of homeowners insurance.
  • Mold insurance may be separate from homeowners insurance. If roof damages cause mold, homeowner's insurance may not cover the mold clearance.
  • Dead trees can cause a lower payout. If a tree falls because it is dead, a company might pay less because a resident failed to have the tree removed.

How to keep your home safe from a leaky roof

A neglected roof could lead to more damage and a smaller insurance payout. The best way to avoid a lower payout is to regularly check your roof for trouble spots, and make appropriate repairs.

Have your roof professionally inspected every year. A professional can often spot small problems that might become big when adverse weather moves in. Check for loose shingles, damp spots and mold growth that indicate large problems in the making.

It is usually best to remember that it is your responsibility to maintain your home and make sure that small problems don’t become large ones. Most insurance companies only mean for their policies to be used when an unavoidable problem occurs.

Additionally, a strong homeowner’s policy is the best way to cover repairs to your roof. It is always best to check with your insurance company to see what your homeowner’s policy covers, and add any coverage you think you might need.

If you have questions about what elements your Calabasas homeowners insurance policy covers, call Gary Warner Insurance Agency, Inc. today at (818) 706-8625!

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