Homeownership is something that most people aspire to. Having your own home may mean stability and security, or it may even solidify your social status. Along with the benefits and advantages of having your own home are concerns and responsibilities that you need to attend to. As a homeowner, you want to maintain the structural integrity of your property as well as its aesthetic appeal. One common problem that can compromise the structural integrity of your home if it is left unaddressed is a leaking roof. This problem brings unforeseen expenses that homeowners may not always be ready for. This brings up the question, does homeowner insurance cover roof leaks?
Roof leaks can destroy your flooring, drywall, appliances, and furniture. It can cause molds and mildew to form and become a health hazard to you and your family. For this reason, it is wise to look for an insurer who covers roof leaks. Fortunately, Los Angeles insurance sellers can help you get the coverage you want.
Does Homeowner Insurance Cover Roof Leaks?
Although homeowner insurance covers roof leaks, it is important to note that policies can vary depending on the insurance company and the type of home insurance that you have. Policies usually cover unexpected losses or damages that covered risks may have caused.
When it comes to roof leaks, there are questions that need to be answered first before you can get a successful claim. What caused the leak? Was it sudden and accidental, or was it the result of natural wear and tear? Was it caused by termite infestation, vandalism, theft or neglect?
It is important to note that home insurance companies usually cover a home’s physical structure based on the types of peril they cover, meaning, the only damages not covered by a particular policy are the ones that are caused by specific exclusions stated in the contract.
Some Exclusions of The Most Common Types of Home Insurance Policy (HO-3):
- Natural ground movement
- Gradual wear and tear
- Termite infestation and other kinds of infestation
- Damage caused by pets
- Nuclear accidents
- Government action
- Theft while the property is under construction
- Intentional neglect or poor property maintenance
- Broken pipe in a vacant home
- Vandalism in a vacant property
Water Damage from Roof Leaks
Again, the basis here will be the initial cause of the roof leak. If the cause is not a listed exclusion, the insurer will pay to fix the damage to the structure of your home. In addition, the insurer will also pay for whatever damage to your personal property the leak has caused. The amount the insurer will pay will be limited to the amount of coverage stipulated in the contract.
Increase Your Chances of Getting a Claim
One good way of ensuring a successful claim is by finding the leak in your roof or ceiling at once. It will not only help you control the damage made by the leak, but it will also increase the chances of your insurer paying the claim.
Maintain Your Roof
Regularly check your roof
Checking your roof for cracked, damaged, or missing shingles will allow you to replace them before any real damage is done.
Regularly inspect your top-floor ceiling
If you regularly inspect your top-floor ceiling, you will be able to notice small leaks before they even become bigger leaks and cause big problems.
Identify Leaks
Have you found water marks on your walls or ceilings? Have you noticed any mold growing on your walls? What about rotten wood? If you have noticed one of these things, chances are there is a leak source you have to find.
Make timely repairs
Repairing the source of the leak should stay a priority. If not addressed at once, you can end up with a much bigger problem. Call a professional to make sure that the problem is properly fixed. You may have a problem with claims later on if your insurer discovers that you have been neglecting the care of your roof.
Safeguarding Your Home
As a homeowner, you are responsible for safeguarding your home from damages like roof leaks. To safeguard it from such damages, take proactive steps like proper roof maintenance and getting home insurance coverage. It will also be good to review your policy from time to time by seeking out insurance providers in Los Angeles who can help you ascertain that you have the right type of coverage. Call them today before a problem arises.