Do You Have Wear and Tear on Your Roof?
Residential roof repair doesn’t just stop at storm damage and leaks. Regular wear and tear can be the cause of needing a roof repair. Roofing material can last for a very long time and be resistant to the elements but it cannot withstand the hands of time. Our roofing experts can help in residential roof repair in Broken Arrow, OK, just keep us in mind and contact Prestige Roofing and Remodeling at 918-259-0877.
Insurance policies may or may not cover normal wear and tear. They normally only cover “acts of God” like hurricanes, tornadoes and tropical storms as well as unpreventable elements like fire, hail, and wind. Coverage depends on the life of a roof and what area you reside in. If you have a newer roof there is a chance it may be fully covered from your homeowner insurance. Roofing insurance depends on the value of your roof. Once a claim has been made, an insurance inspector will come to your home and inspect your roof. They will determine the residential repair costs and if the homeowner will be reimbursed or fully covered. If the roof is damaged due to regular wear and tear, there is a possibility that your insurance policy may not cover it and claim it to be regular maintenance for repair as it is seen as an inevitable process. This can also be applied to gutters and sidings.
Prevent High Repair Costs
You can prevent high repair costs when you stay abreast of the maintenance. Have your roof inspected on a regular basis not just when damage occurs. A roofing inspection can be done every 5-7 years depending on the age of the roof. As the inspector is going over your roof, they can spot any immediate and future repairs. Keep in mind that residential roof repair in Broken Arrow, OK can potentially raise the property value of your home in total. Speak to your insurance company to see if you are completely covered or if you would have to pay a deductible and the limits the insurance policy covers.
While prepping an insurance claim, some people can create false claims of damage when it is only normal wear and tear. Making false claims can get your insurance policy canceled. Inspection can be done prior to buying your new home. Keep records of the appearance of your home for future inspections and insurance claims which can prevent high repair costs. While buying a new home, determine the age and condition of your roof.
Acts of God
In your insurance policy, it will state what type of damages your policy covers and will pay for. “Acts of God” are unpreventable occurrences that will call damage to your home and roofs. Insurance policies are structured to accompany where you reside, roof age and other factors. Strong storms can cause a lot of permanent damage in real-time and can cause future damages that will need repair. For example, a high category tornado with its strong winds and rain that can create holes and damage tiles, panels, shingles plus can cause a tree to knock over and fall onto your roof.
“Acts of God” that may be covered include:
- Tornadoes– those living where tornadoes are rampant should be covered under their insurance policy. Tornadoes can carry roofs from their structure exposing the home to other threats.
- Hurricanes and other tropical storms- produce a lot of rain which can cause flooding and water leaks inside your home if the roof caves in.
- Fires– can be caused by lighting or wildfire in certain states like California and may or may not be covered under your policy.
- Earthquakes– are really only rampant in certain areas that are on strong fault lines and may not be covered under your policy if you do not live in these areas.
Note that depending on where you live some weather conditions may not apply to your insurance policy. Make sure to speak with your homeowner’s insurance provider to see what is all covered and if there is a deductible that needs to be met or if you pay for repairs will there be reimbursement.
Heavy rains can create leaky roofs that can lead to mold in your home and attics. Debris can destroy other parts of your home like your windows and clutter your gutters. Keeping your roof clean and free of debris is ideal with protecting your home in the long run and the integrity of your roof. The appearance of your roof is a huge factor in the overall appearance of your home from curbside onlookers.
Contact Prestige Roofing and Remodeling at 918-259-0877 and get more information on residential roof repair in Broken Arrow, OK today!