Roof damage can turn into a homeowner’s worst nightmare, especially when you’re not sure what your insurance will actually cover. Understanding how your policy responds to weather-related damage and falling objects can save you from unpleasant surprises when filing a claim. At Mitten Heritage Fraternal Society of Insurance, serving Berville, MI, we help homeowners understand exactly what protection they have when storms or unexpected incidents damage their roofs.
Weather-Related Damage Coverage
Most homeowners policies cover sudden weather events like hail, wind, and ice storms that damage your roof. This includes shingle loss, structural damage, and related interior damage from water infiltration. However, your policy likely excludes damage from gradual deterioration, lack of maintenance, or normal wear and tear. The key distinction is whether the damage happened suddenly from a covered weather event or developed slowly over time.
Falling Object Protection
When trees, branches, or other objects fall on your roof, coverage typically applies if the impact was sudden and accidental. Your policy should cover both the roof repairs and removal of the fallen object. However, if a dead tree that you knew was dangerous falls during a storm, your insurer might question whether you were negligent in maintaining your property.
Understanding Your Deductible and Limits
Roof claims often involve significant costs, so understand your deductible structure. Some policies have separate wind and hail deductibles that are higher than your standard deductible. Make sure your dwelling coverage limits are adequate to handle major roof replacement costs, which have increased dramatically in recent years due to material and labor shortages.
Protect your biggest investment with proper coverage. Contact Mitten Heritage Fraternal Society of Insurance, serving Berville, MI, today to review your home insurance coverage and ensure adequate protection against weather.
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