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Does Your Insurance Cover Snow Roofing Damage?

Does Your Insurance Cover Snow Roofing Damage?

The harsh winter weather can take a toll on your roof. While regular maintenance is key to keep it in the best condition, sometimes, the worst can still happen. 

That being said, you need to watch out for legal liabilities, and check whether your homeowners insurance policy has got you covered to avoid dealing with unwanted expenses.

Snow Roofing Damage

Is Your Roof Covered?

Typically, a homeowners insurance policy covers damage caused by winter storms, including roof collapse due to snow and ice buildup. However, insurers consider several factors to determine if – and how much – they will compensate. Take note that not all coverage is the same, so be sure to consult with your insurance provider about this matter.

What Isn’t Covered?

Neglecting your roof could drastically affect your insurance policy coverage. For instance, if your home was damaged to melting snow leaking through the roof, and your insurer found out that the roof has pre-existing issues you didn’t address beforehand, then you can be held liable for it. 

Another example is if a nearby tree or its limbs were at risk of falling, but you didn’t do anything about them, then you may be denied coverage for the damage it will cause. For this reason, we always recommend prompt roof repair and maintenance to weatherproof your home and meet the requirements of insurance policies.

Maintenance Is Key

A reputable contractor will not only gear up your roof against the severe winter weather conditions, but they will also provide you with documentation that will come in handy for insurance claims. In addition, roofers can assist you throughout the insurance claims process to make sure you receive the compensation you deserve.

For all things roofing, trust the experts at A1 Roofing & Construction. Call us today at (401) 265-1019, or fill out our contact form for more information about our products and services. We serve Providence and Warwick, RI, as well as New Bedford, MA, and its surrounding cities.