Did you know that your house insurance covers fire damage, storm damage, and roof damage? It does, so if there is damage to your home from fire or water damage, you will be protected. Your policy protects the structure as well as contents of your home. If you do not have insurance for your home and your landlord has insurance, he or she can contact the House Insurance company for you.
It is important to know what is covered and what is not when it comes to house insurance. One thing to consider is that any structural damage to the building itself, like shingles coming off, will not be covered. It only covers damage to the outer shell of the building. Water damage, fire damage, and wind damage are all things that must be declared on your policy. Your coverage includes these three very broad categories.
Structural damage is often associated with roof repairs. If the damage is severe enough, the repair may not be covered unless the roof is totally replaced. In some cases, only partial replacement will be covered, and those repairs must be scheduled before the insurance takes effect. So be sure to call your insurance company to get any questions about what types of roof repairs are covered.
Storm damage is also something to consider when purchasing insurance. If there is a fire, tornado, or hail in your area, your insurance should cover your replacement costs. Depending on the severity of the damage, the insurance policy may also cover other things like carpet damage, interior furnishings, appliances, furniture, etc.
There are a few things that usually go together when asking what is covered by house insurance and what is not covered by insurance. One thing that is usually not covered by house insurance is damage caused by water. This includes leaky pipes, flooding, or septic system damage. If your home has a sprinkler system, it is likely that it will be covered by your homeowner’s insurance. Many times, damage due to wind or hail will not be covered. So call your insurance agent to find out what your particular coverage will be and if you need to have it repaired.
There are several different types of damage restoration, including roof cleaning and repair. Roof cleaning is often necessary to remove debris from your roof. You could hire a contractor to come in and clean the roof and change its tar or roof coating. If your roof is completely split in two, clean sections of the roof separately to make sure that you don’t miss any spots. Your roof cleaning contractor will likely require you to tear off a portion of the roof in order for the work to be thorough, but many times they will allow a small portion to remain. It will take some time to do this and be sure to be patient during the process because it will be extensive.
Another type of damage restoration would be removing dead grass, trees, or other objects from your property. Sometimes the only way to get rid of the extra materials is to have them removed so that they do not cause problems later. Sometimes, damage restoration will consist of the removal of such things as trees that were damaged or killed from the storm. If you have a gutter system, the removal of the tree may be covered by your house insurance.
If you live in an older home, it is more likely that you will be covered by your home owner’s insurance. This means that anything that is permanent, such as walls or roofs, will likely be covered. Things like fences that are less than 50 years old may also be covered. Temporary structures such as sheds and garages, and things that are moved around regularly, can be covered by temporary or short-term buildings insurance if the damage is temporary and related to an event that has caused the loss of the structure.
This post was written by Reggie Reed! Reggie is a state-certified roofing contractor and co-owner of Reggie Reed Roofing, the best roofers in St petersburg FL. He is a 4th generation roofing contractor. RR Roofing offers a wide variety of roofing services for residential homes, apartment complexes, condos, commercial buildings, churches, and more. Reggie enjoys dedicating his spare time to helping underprivileged youth in his community and traveling with his family and friends