Hail can extremely destroy your roof and cause you stress and hassle as you seek to repair the damage. Understanding hail damage and warranties can help you separate fact from fiction about hail damage repair and get the necessary help to repair your roof.
What a Typical Roof Warranty Covers
As a homeowner, it is important to ensure your roofing system is protected for the long-term by choosing a dependable roof warranty. Carefully analyze the warranty’s coverage and review the terms. A roof warranty typically covers things the manufacturer can control, such as manufacturing quality. Damages caused by mother nature, such as hail damage, are not covered under a warranty.
What a Typical Homeowners Policy Covers
Typical homeowner’s insurance policies provide coverage for damages caused by fires, hail, windstorms, or lightning strikes. It’s important to note that not every natural disaster is covered by your homeowner’s insurance. For example, damages caused by floods and earthquakes are not typically covered by homeowner’s insurance. You will need to purchase add-on insurance clauses to protect your home and personal belongings against those types of risks. Dwelling protection, in particular, covers the structure of your home, including the house’s foundation, roof, and walls.
Why Roofing Warranties Don’t Cover Hail Damage
Roofing warranties are designed to cover defective products and/or installations. Storm damage is typically not covered unless it can be proved that the damage was occasioned by a defective roofing system. Some warranties specifically state that the warranty is void in cases of hail damage. This is why it’s so important to know what your warranty covers and what you need to have covered by insurance.
Call Your Local Roofing Contractor if You Suspect Hail Damage!
It is a wise idea to work with a reputable local roofing contractor to evaluate whether your roof has been compromised by hailstorms. Some effects of hail damage are not immediately evident. Having your roof inspected after the storm can help you catch hidden problems early and fix the damage before it leads to major problems. Contact AIC Roofing & Construction in Central Kentucky for more information about roofing warranties or to schedule a free roof inspection.
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