Anyone who lives in Florida will tell you that extreme weather is just a part of living in the state. Approximately 40% of all hurricanes to hit the US mainland will reach Florida. In recent years, hurricanes have caused significant damage throughout the state.

Naturally, many homeowners want to know whether their homeowner’s insurance policy will pay the full cost of a new roof.

Homeowners Insurance Will Cover Roof Repairs

Roofing services in Tampa regularly receive inquiries from clients regarding new roofs after bouts of extreme weather.

The good news is homeowners insurance will generally cover the cost of a new roof. Policies do state the full cost of roof replacement will be covered in the event of an act of nature.

For Floridians, this is a real risk they face every hurricane season. In the event your roof needs to be replaced, your insurance company will assess whether they fully cover the cost partially or in full. However, this does depend on the insurance company.

Have You Kept Your Roof in Good Condition?

Every type of roof has an expected lifespan, which differs based on the material. For example, if you paid a roofing company in Tampa to install an asphalt shingle roof the expected lifespan is around twenty years.

On the other hand, a copper roof may last up to fifty years. It’s important to know what your roof is made of and how long it’s expected to last.

If your roof needs to be replaced and you allowed it to lapse beyond its recommended lifespan your insurance company is well within their rights to decline your claim.

General Maintenance is Your Responsibility

You should call a roofing company in Tampa to perform checks on your roof every few years. Homeowners insurance typically states that general maintenance is your responsibility.

These policies will cover the damage caused by a leaking roof, but if you didn’t keep your roof in good condition they won’t cover the cost of the roof repair itself.

Too many homeowners don’t take preventative action when they should.

Does Your Roof Comply with Current Building Codes?

Another reason homeowners should look to Tampa roofing companies is insurance companies are able to decline claims if roofs didn’t comply with current building codes.

Building codes change all the time and most homeowners don’t know about these changes. Regular inspections, which are often provided for free by roofing companies, will ensure your roof meets current building code standards for your area.

Any reputable roofing company in Tampa will ensure that if the worst happens you’ll be able to claim the costs of repairing and replacing your roof.

Last Word – Look for a Comprehensive Policy

With so many insurers on the market, it’s important to shop around to make sure you pick up a comprehensive policy that will actually pay out should a natural disaster hit your home.

You should also go out of your way to ensure you have a professional roofing company you can trust on your side.

Do you have a roofing company or contractor you can turn to in an emergency?