Too often homeowners put off roof repairs because they think it will be too expensive. Unfortunately, this can lead to more damage and increase the cost of repair. Rather than delaying necessary repairs, consider looking into your warranty or insurance coverage to see if your roof is still covered.
What Does a Roofing Warranty Cover?
If you’re lucky, your roof was installed with a warranty. How To Understand Roofing Warranties: Some roofing shingle manufacturers offer warranties on their products, while some companies offer warranties on their labor.
At Westchase Roofing, we use Owens Corning asphalt shingles because we believe they’re the best. Plus, they offer a good value to our customers. Owens Corning works hard to innovate. They want to ensure their products remain top of the line. As part of their commitment to quality, they offer a warranty
Owens Corning warranties cover wind damage and algae resistance as well as material defects. Some warranties even cover workmanship. And because Westchase Roofing is an Owens Corning Platinum Preferred Contractor, we’re also able to offer longer warranties through Owens Corning. If you’d like to learn more about the warranties Owens Corning offers, we’d be happy to discuss them with you.
If you’re unsure about what your roofing warranty may cover, you may want to look over any documents you received when you first bought your house or when you last had your roof worked on.
Does Homeowners Insurance Cover Roofs?
If you’re wondering whether your homeowners insurance policy covers your roof, the short answer is yes*. Note the asterisk, however. Homeowners insurance covers particular types of damage to your roof, but it doesn’t cover roof damage caused by neglect or old age. If you’re curious about your particular policy, we advise you go over it with a fine-tooth comb and note what types of damages are covered and how they should be reported.
Generally, most homeowners insurance policies cover acts of nature that cause damage to a roof. In Florida, storms and wind are frequent causes of roof damage. Depending on the age of your roof, however, your insurance policy may only cover some of your repair expenses. Many policies will cover all roof repairs due to damage from an act of nature as long as the roof is under ten years old. Once it is a bit older, some policies depreciate the value of the roof and will only pay for a portion of the repair costs.
In addition, water damage isn’t covered by all policies, especially if it is caused by a leak that would’ve been avoided with preventable maintenance. Check your specific policy for more information or speak with your insurance agent—preferably, before there’s a problem.
Getting a Quote for Your Insurer
In order to determine how much damage has been done to your roof, it’s important to get a repair quote from a reputable Tampa roofing company. Neglecting a damaged roof can compound issues and make it more difficult for your roof to be repaired. At the first signs of damage or aging, call a Tampa roofing company and speak with a skilled representative so you can get the knowledge you need to make an informed choice.
Even if you discover your repairs are not covered under a warranty or insurance, it is still important to protect your home. An honest Tampa roofing company will let you know what needs to be done, how soon it needs to be done, and how much it will cost.
Your roof is an integral part of your biggest investment—your home. Make sure you’re covered and request a quote from a Tampa roofing company today.