One of the most vulnerable parts of your home is the roof. It’s a key barrier against the elements, and any damage to it can be costly to repair or replace.
To ensure you’re not caught off-guard when you need to file a claim, it’s crucial to understand your policy thoroughly. Most homeowner’s insurance policies provide coverage for storm-related roof damage, such as damage caused by wind, hail, or lightning, as long as the damage isn’t a result of your roof’s regular wear-and-tear or old age.
If you live in areas prone to hurricanes and floods, like Charleston, SC, you should consider adding these riders to your insurance policy. Review your policy carefully, and if you have any queries, consult your insurance agent to better understand your coverage.
, and it’s safe to do so, you first need to evaluate the damage to your roof and identify the
and severity of any damage.
can be a challenging task, especially if you’re not exactly sure what to look for or you’re not comfortable getting onto your roof to inspect things closely.