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Has the recent heavy rain left your roof in need of some repairs? Are you wondering if you can cover these costs with your house insurance policy? Well, we’ve got good news and bad news. The good news is that certain types of roof damage are covered by most house insurance policies. The bad news is that not all roof repairs will be eligible for a claim. Here’s what you need to know about claiming on house insurance for roof repairs.
Types of Roof Damage Covered By Most House Insurance Policies
Most house insurance policies cover the following types of roof damage:
- Storm damage, including damage caused by wind, hail, rain, and snow;
- Fire or explosion damage;
- Damage due to malicious acts or vandalism; and
- Damage due to falling objects (e.g., trees).
It’s important to note that coverage may vary depending on your specific policy. So, be sure to check your policy documents before making a claim.
Roof Repairs That You Can't Claim For Under Insurance
Unfortunately, there are some types of roof repair work that are not typically covered by most house insurance policies. These include:
- Regular wear and tear (e.g., tile slipping or leaking guttering);
- Damage due to poor maintenance (e.g., blocked gutters);
- Poor quality materials used in construction; and
- Problems arising from building regulations violations or planning permission issues.
Before making any claims on your house insurance for roof repairs, it's important to check your policy documents carefully and make sure that the type of damage you're claiming for is covered under the terms of the policy. Keep in mind that regular wear and tear and problems arising from building regulations violations are usually not covered by most house insurance policies—so if you're thinking about claiming on your house insurance for these types of repairs, think again! In any case, it's always best to consult with a professional before carrying out any major repair work on your home—after all, prevention is better than cure!
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