Before you file an insurance claim, you must first determine what your policy does and doesn’t cover. Most insurance providers cover damage due to accidents, fires, tornadoes, hurricanes and other weather extremes. However, you can’t usually expect them to pay for damages caused by wear and tear.
Whether you have a shingle or metal roof, your insurer won’t cover wear and tear damage. Continue reading to find out why.
Why Insurance Companies Won’t Pay for Wear and Tear
Wear and tear pertain to gradual deterioration due to daily use. They are normally not included in insurance policies because they are created to cover unforeseen situations. Homeowner insurance companies do not typically cover damage due to poor maintenance or wear and tear.
It means that if your roof suffers damage because of poor upkeep your claim is likely to be turned down. For instance, if roofing shingles get loose or fall off during a storm because of delaying repairs, your insurer may not pay for repairs. You could have easily prevented this kind of damage with regular inspections and maintenance. It’s just one reason it is so important to take proper care of your roof.
Maintenance Tips for a Longer-Lasting Roofing System
Metal, shingle and tile roofing systems will last longer with routine inspections and maintenance. Doing so can help you detect and deal with roofing problems while they are small. To avoid damage and ensure efficient drainage, make sure your roof stays clean. Debris can retain moisture that can cause damage to your roof.
Don’t forget about your gutter because they are necessary for protecting your home’s exterior against damage. When your gutters are clogged, water will back up to your roof, risking moisture-related problems. Avoid early roof deterioration by having your gutters cleaned and maintained regularly.
Need a new metal or asphalt shingle roof for your home? Turn to Dynamic Roofing Concepts for quality roof replacement services. Give us a call at (813) 510-1166 or complete our contact form to get a free quote. We serve clients in Tampa, FL, and nearby communities.