Call Us (915) 599-2900 ☰ ˟
Logo
El Paso - (915) 599-2900 San Antonio - (830) 360-8660
  • Home
  • Online Quote
    • BusinessImage of right arrow
      • Commercial Quote
      • Workers Compensation Form
    • AutomobileImage of right arrow
      • Instant Auto Quote (Quicker Results)
      • Manual Auto Quote (Better Pricing)
    • HomeownersImage of right arrow
      • Homeowners Quote
    • Life & HealthImage of right arrow
      • Life Insurance Quote
    • BondsImage of right arrow
      • Bond Form
    • Contractors
  • About Us
    • About Us
    • Our Pillars
    • Mt. Franklin Insurance In The News
    • Testimonials
    • Contact Us
    • Careers
    • Important Links
  • Blog
  • In the community
  • Español
    • Cotizaciónes en linea
    • Líneas Comerciales
    • Líneas Personales
    • Seguros de auto
    • Seguros de salud y vida
    • Seguro para propietarios de viviendas
  • Make a Payment
Home > Blog > How to Insure Your Roof with Home Insurance
THURSDAY, SEPTEMBER 24, 2020

How to Insure Your Roof with Home Insurance

How to Insure Your Roof with Home Insurance 

Your home’s roof is one of the most important and expensive parts of the home. It keeps everyone inside safe, warm and dry, as well as keeps out anything unwelcome. Unfortunately, home insurance can grow a little complicated and expensive when it comes to insuring your roof.

 

Carefully look at your home insurance policy regarding your roof. Some policies will pay for repairs but have limited to no coverage on replacement. There are also limits on coverage depending on where you live, the cause of damage and the condition of your roof. 

Insurance providers may not cover a roof that is old or badly damaged until the damage is fixed. They may also not cover damage that is caused by something preventable. For example, say a few shingles are loose on your roof. It’s not too bad, so you ignore it for now to save up money to fix it. The next week, it rains, and a leak breaks out where the shingles are missing, soaking your office. Your insurance provider may not cover this damage because it was preventable if you had fixed the roof before it rained. Homeowner mistakes or negligence are generally not covered under home insurance. 

Repair and Maintain Your Roof 

Before purchasing a home insurance policy, have your roof appraised by an expert and fix anything that is broken, missing or askew. Check on it after every storm, especially storms with hail, to evaluate the damage. Maintenance can not only help your home insurance policy, but it can prevent you having to file a claim. 

Improve the Roof 

Making improvements to your roof or upgrading to a hail-resistant roof can help protect your home and prevent a claim by lowering the impact of bad storms. This can also prevent denied claims due to certain circumstances that are not covered. For example, some hurricane and storm damage will not be covered in states with frequent hurricanes, such as Florida and other states along the coast. 

Review the Replacement Cost Value of Your Roof 

If you do make any changes to your roof, be sure it reflects on your insurance policy. If you make upgrades on your roof but fail to notify your insurance provider, you may not be covered for damages. This is because the value of your roof went up, but your policy was designed only to cover your original roof.

 Call us today at (915) 599-2900 or visit www.MtFranklin.com to see how we can help you.

Posted 8:00 AM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020

  • mt franklin insurance(34)
  • el paso(31)
  • insurance(26)
  • tx(15)
  • commercial insurance(14)
  • business insurance(14)
  • homeowners insurance(11)
  • local insurance(11)
  • home insurance(10)
  • auto insurance(9)
  • homeowners(8)
  • car insurance(8)
  • house(7)
  • house insurance(7)
  • local business insurance(5)
  • home(4)
  • life insurance(4)
  • life and health insurance(4)
  • business(3)
  • driving(3)
  • bop(3)
  • car(3)
  • commercial(3)
  • local commercial insurance(3)
  • auto(3)
  • property insurance(3)
  • business owners policy(3)
  • mtfranklininsurance(2)
  • water damage(2)
  • elpasoinsurance(2)
  • life(2)
  • commercial insurance in el paso(2)
  • local auto insurance(2)
  • bop's(2)
  • health(2)
  • cheapinsurance(2)
  • health insurance(2)
  • local car insurance(2)
  • business & commercial auto(1)
  • fall risks in business(1)
  • homeowner(1)
  • auto insurance premium(1)
  • homebuyers(1)
  • family(1)
  • insured vehicle(1)
  • pets(1)
  • liabilityinsurance(1)
  • rain damage(1)
  • homeowners policy(1)
  • accident(1)

View Mobile Version
Logo

El Paso: (915) 599-2900
San Antonio: (830) 360-8660
Fax: (915) 921-5550
E-mail: Info@MtFranklin.com


icon a drawing of a face a drawing of a face
© Copyright. All rights reserved | Powered by Insurance Website Builder