A good home insurance policy covers damage to any of the home’s parts. That includes damages to roofing.

Potential sources of damage

• High winds
• Fire
• Hail

The policy should state whether or not the policyholder’s deductible was the same or different, for each of those potential sources. If the homeowner is unable to understand the details. Consulting with a insurance company representative can help them get clarity.

Is the denial of a claim possible?

Yes, if the roof has not been maintained properly. Also, an insurance company might deny a claim about damages to roofing if the policyholder had previously sought coverage for harm that had been caused by the policyholder’s own attempts at carrying out some form of roof repair in San Mateo.

How could an insurer determine whether or not a home’s roof had been maintained in an acceptable fashion?

The insurer would ask for proof that a roofer had completed an inspection on a regular schedule. Professional roofers normally suggest that a roof’s inspection should take place once every 2 to 5 years.

Do the rules regarding inspections apply to both new and old roofs?

No, the lifetime of a typical roof is 25-to 30 years. If a roof that that was more than 20 years old were to get damaged by winds, fire or hail, the insurance company would simply make a pay-out. The pay-out’s value would equal the roof’s value at the time of the damaging incident.

Besides a roof’s age, what other factors might affect the size of a pay-out from a company that had sold the claimant/homeowner a home insurance policy?

If the company were to receive a claim for harm produced by fire, it might give less money to a homeowner that had sought to limit the degree of damage, perhaps by using a hose to water the rooftop, as flames from a fire approached.

Insurers also make a point of learning whether or not there are trees close to the home’s roofing structure. If an insurance company had become aware of trees’ presence in the vicinity of that structure, then it would seek details on the extent to which those trees had been maintained.

In other words, if the homeowner were to note damage to the home’s rooftop, and then submit a claim, the insurer would try to learn how frequently an arborist had pruned the trees’ branches. Branches that had not been pruned could become heavy, and might eventually fall on the rooftop.

An insurer would not cover the cost for repairs to any holes that might have been created during installation of solar panels or installation of a TV antenna. Smart homeowners seek the services of a contractor that would know how to prevent the creation of such holes, or would stand prepared to compensate for any post-installation holes in the roof.