The colder months present various challenges and risks in terms of safety and health. On top of that, wintertime can also compromise the very structures that were designed to keep the elements out. It’s no secret that snow and ice are especially taxing on roofing systems. If your home has sustained considerable snow roofing damage, you might be wondering whether your home insurance will cover the repair costs.
This article from Tedrick’s Roofing aims to address the question that’s on every homeowner’s mind this winter: will my home insurance cover snow roofing damage?
Home Insurance Coverage
Home insurance policies usually cover damage that was directly caused by winter weather circumstances. For instance, if a tree falls on your home due to the extreme winter weather or if your roof collapses as a result of the accumulated weight of snow, then you are eligible to file a home insurance claim to have the necessary repairs or replacement services covered.
However, roof repair costs coverage will become void or invalid if the damage was proven to be a result of homeowner negligence. In this case, negligence pertains to failure to care for your home and its components in order for them to be able to withstand normal winter. Here are some examples of homeowner negligence:
- Failure to trim tree limbs that are at risk of falling
- If the roof has not been properly maintained or is clearly in a state of disrepair prior to the weather disturbance
- There are laws in certain locations that require prompt removal of ice or snow. Homeowners are given a window of four hours after the snow has stopped falling to clear their sidewalks.
Roof repairs can be costly, and a home insurance coverage will go a long way in helping homeowners get their roofs back to being functional.
As a trusted roofer in the area, Tedrick’s Roofing has a strong working relationship with major insurance insurance companies. Reach out to us if you need help with filing a complete insurance claim. Call us today at (206) 824-3440 for a free estimate. We serve Federal Way, WA.