Most home insurance claims filed across the country are property damage claims. In the roofing section of property damage claims, the top two causes of roof damage are hail and wind. So, residents in Cumming, GA may wonder if their home insurance policy will cover roof damage, too. The Wichalonis Insurance Agency team has the answers.<\/p>\n
Home insurance will only pay for roof repairs or a replacement if the cause of damage is a covered peril in your policy. Those perils are fire, smoke, wind, hail, lightning, vandalism, falling objects, or winter weather. So, for example, if a tree falls on your roof or the weight of snow, sleet, or ice collapses your roof, you’re covered. However, if the cause of your roof damage is an earthquake, flooding, poor maintenance, rodent infestation, or age-related wear and tear, home insurance will not cover roof damage. Your carrier in Cumming, GA will survey the damage and decide the coverage amount. Payout is through the dwelling coverage in your policy.<\/p>\n
The roof’s age is a major factor. Some home insurance carriers will limit roofing coverage for roofs at least 15 years old to ACV (actual cash value). Others require a roof inspection first, and the rest will deny coverage. Flammable roofing material or a less durable material may motivate carriers to increase premiums or reject coverage. Complex roof shapes or shapes prone to damage also affect premiums and coverage.<\/p>\n
Our agents at Wichalonis Insurance Agency want every roof covered by home insurance. Therefore, we partner with several carriers with different criteria. We will review your existing policy for adequate roofing coverage. Additionally, we can set up a new policy that provides sufficient dwelling coverage with roofing included. Contact us for more information.<\/p>\n","protected":false},"excerpt":{"rendered":"
Most home insurance claims filed across the country are property damage claims. In the roofing section of property damage claims, the top two causes of roof damage are hail and wind. So, residents in Cumming, GA may wonder if their home insurance policy will cover roof damage, too. The Wichalonis Insurance Agency team has the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[14,15,27,25,13],"class_list":["post-184","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-cumming","tag-ga","tag-home","tag-insurance","tag-wichalonis-insurance-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t