When it comes to home insurance, what is and isn’t covered comes down to the cause of the damages more than the location of the damages. This means that yes, your home insurance provider will cover the roof of your Lees Summit, MO home. But, it will only cover the damages if they occur as a result of a covered hazard.
This means that in the event of a storm or a fire, your insurance company will cover the cost of replacing or repairing your roof. However, they will not pay to replace your roof simply because it was showing wear and tear and it’s time to replace it.
In fact, insurers may even drop their customers if a roof is neglected. The roof is one of the most important parts of the home, and if you don’t take care of it, then that signals to the insurer that you may be a poor caretaker of your home. Your insurer is willing to pay for the damages from covered hazards, but they expect you to keep the roof in the best shape you can reasonably keep it.
When a storm does blow through, it’s a good idea to take pictures, document the damages, and be on the lookout for "storm chasers." These are fly-by-night repair crews who go door to door promising to do the repairs, only to deliver substandard results while collecting the check from your insurer. Do your research, and don’t hire a repair crew just because they knocked on your door after the storm.
If you have any questions about insurance and roof repair in Lees Summit, MO, get in touch with Epic Insurance. Epic Insurance is here to get you covered no matter your home insurance needs.