As a homeowner, it’s very important to understand that just because you have home insurance doesn’t mean that your roof is covered. Some home insurance plans do not cover roof damage or only cover certain types of roof damage. If you’re concerned with getting coverage for roof leaks, should you take out a separate insurance plan?

Understand Your Home Insurance Coverage

First of all, it’s very important to get the technical details of your home insurance plan. Your plan may state that you are covered if there is a leak that was caused by hail, wind, or a tree/branch falling on your roof. This doesn’t necessarily mean that it will cause all instances of roof leaks

Some roofing in Calgary may not be covered by insurance if the leaks are attributed to normal wear and tear. An aging roof that has not been replaced or properly maintained is bound to result in roof leaks. In this case, the insurance plan may not cover the repair costs.

Next, you have to think about the environment of your home. Is your home surrounded by tall trees with thick branches? Is your particular area more prone to weather problems like hail? If so, it’s a smart idea to get roof leak insurance so that you are prepared for the worst-case scenario.

Identify Leaks Quickly and File Your Claim

It’s important that you conduct maintenance checks frequently to identify roof leaks as soon as possible. This allows you to minimize the damage done to your roof. If a leak is found, you should look at your shingles, gutters, vent pipes, and flashing to see what kind of damage might be causing the leak.

General Contractor Installing New Roof

Now you want to think about whether you should file a claim for roof repairs in Calgary. It really comes down to the extent of the damage and the deductible. If the deductible costs more than the cost of the repairs, then you should obviously opt to pay out of pocket.

On the other hand, if the repair costs will run you thousands of dollars, then you want to look to file insurance roof claims. Fortunately, most simple roof repairs will only end up costing anywhere from $200 to $500. This should help you make sense of whether you should get roof leak insurance and when you should file a claim.

At City Roofing and Exteriors, we take pride in our work and by serving Calgarians. We work hard to assist our customers in providing proper roofing systems to meet your budget and needs. We guarantee that you will be satisfied with our work, give us a call at (403) 608-9933.

One of the unfortunate things you have to deal with living in Calgary is hail storms. Many people complain how hail damage affects their vehicles. But did you know that hail damage can also damage your roof? While your roof is built to help protect your home, it is still vulnerable to the hard impact of hail.

How Much Damage Can Hail Cause

Contractors that specialize in roofing in Calgary have worked on many hail damage repair jobs. What they often report is that hail can do everything from damage shingles, eavestrough, fascia, to flashing. You should always assess your roof after a hail storm.

But make sure that you bring in specialists that focus on roofing in Calgary. Because hail can loosen shingles, it may be very dangerous for the average homeowner to go up himself and check the status of the roof. You can easily slip on the shingles or loose debris caused by the hail storm.

Damage May Look Superficial Even When It’s Not

Some homeowners may quickly look over their roofs after a hail storm to find that most of the damage is cosmetic. But you have to be very cautious about overlooking the potential damage that may have occurred. Shingles may have become loose despite them still remaining in place.

Hail damage

A simple storm may end up taking the shingles out later. Once the shingles come off, you can expect water to seep in between the shingles and cause damage to your roof. Without getting a proper inspection done after a hail storm, you stand to pay more in repairs further down the line because of simple oversights.

The great thing about hail damage is that it is often covered by home insurance. A good roofing company can help you with the paperwork and make sure that you get the sufficient coverage for repairs from your claim.

Finally, you should also consider the impact hail storms cause to your siding. Siding is just as vulnerable to hail damage. There may be little holes that may be created from the impact of the hail. It’s always a bonus to work with a company that works on both roofing and siding to get a proper inspection and repair job done.

At City Roofing and Exteriors, we take pride in our work and by serving Calgarians. We work hard to assist our customers in providing proper roofing systems to meet your budget and needs. We guarantee that you will be satisfied with our work, give us a call at (403) 608-9933.

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