There is no doubt about it, homeowners insurance is a great thing to have. After all, it protects your greatest investment – your home. However, insurance companies will only pay for damage that is caused by emergencies, such as storms and other acts of nature. In other words, things that are out of your control. They will not cover costs for repairs due to regular wear and tear.
What Is Considered Natural Wear and Tear?
Wear and tear is generally considered to be gradual damage that occurs over a long period of time. In most cases, this slow degradation is completely unavoidable as your roof ages and loses its effectiveness as it nears the end of its serviceable life. From an insurance company’s point of view, there are certain failures that can be avoided, or at least substantially mitigated if you perform regular maintenance.
Why Wear and Tear Isn’t Covered
When you sign up for an insurance policy, it is understood that you are agreeing to the terms set by your insurance company. This agreement asks that you keep up with the regular maintenance to keep your roof healthy, but if there is unexpected damage, your insurance company will pay your roofing contractor for repairs.
To put it simply, your insurance company considers failure to perform regular maintenance on your roof as negligence on your part and is unlikely to cover claims that are filed when it turns out that the damage to your roof is caused by a lack of general maintenance, which is a homeowner’s responsibility.
Whether you are in need of a vinyl siding replacement or are in need of a contractor to patch up a leak on your roof, Premier Systems Roofing is the company to trust. To schedule an appointment, please give us a call at (605) 361-4955, or fill out our contact form to request a free estimate today.
