Understanding Roofing Coverage

Roofs are one of the parts of your home that are always exposed to things such as sunlight, dirt, weather and more. Some people even have their roofing exposed to natural disasters such as tornadoes, cyclones, hurricanes and high winds. Weather can do a lot of damage to your roof, but it can also cause things to help damage your roof such as a tree that gets struck by lightning and falls into your roof or if wind blows over a tree. 

This can cause damage to your roof, or it can cause debris. Even things like wildfires, snowstorms or aircraft debris can cause damage. Your roof is the part of your home that protects your home. It keeps the structure of your home strong. This is one of the reasons that your homeowner’s insurance will protect your roof from these kinds of damages. 

Most of the time, a homeowner will have coverage for a partial or even a total roofing replacement. Of course, the age of your roof will have a lot to do with what your insurance covers. There is a chance that your insurance will only insure for actual cash value and not the cost of a current replacement.

One thing that you need to remember is that you will have to pay your deductible before the coverage starts. There are also some policies that have things written in such as those that live in high-risk areas, and there might be a higher deductible for this. You can always purchase more coverage if you have this in your policy. 

Some people will even choose to get separate insurance to protect from hurricanes or other areas that are prone to natural disasters. Always get more coverage if you want to have the peace of mind that you will get the extra protection. Our team at Northland Roofing, can help with that, so give us a call today at 603-852-1540 for your estimate!