(EMAILWIRE.COM, March 04, 2010 ) Phoenix, Arizona- After the recent rains that pummeled the west many homeowners discovered that their roofs leaked. Most will contact several roofing contractors and start collecting bids for roof repair or roof replacement. After recovering from sticker shock the majority immediately call their insurance company. The question remains, will insurance cover a new roof?

There is a lot of confusion when it comes to insurance coverage, says Nicholas Bryditzki The Roof Medic and HAAG Engineering Roof Inspector. “Most homeowners are under the impression if they have a roof leak their insurance will pay for a new roof. The sad truth is, if the roof is not damaged directly by a storm or Mother Nature insurance won’t replace their roof”.

In most cases, insurance does not cover roof repairs because of lack of maintenance or care. Insurance may cover water damaged as a result of a leaky roof. For example, if your roof leaked and caused interior damage, your home insurance policy will in most cases, cover the damage caused by the leak (less your deductible) the insurance will not cover the repair of your roof. If the roof has been leaking for a while and has been ignored or is beyond its serviceable life, insurance adjusters might deny the claim. Likewise, if a storm causes roof shingles or roof tiles to be blown off and damaged occurs, your insurance will likely cover the roof repair or roof replacement (depending on the extent of the damaged) including any related interior repairs.

It is the insured's responsibility for maintaining their own property, which includes their roof, says Mark Davis a 25-year veteran Farmers Insurance agent based in Tempe, Arizona. “Insurance company's will not pay out on claims where there is normal where & tear”.

Homeowners should be aware of insurance scams by roofing contractors, says Bryditzki. “There are unscrupulous roofing contractors who promise homeowners of getting the majority of their roofs covered by property insurance and only cost them their deductible, and then they get blind sided by a huge bill for a new roof”.

Bryditzki suggest homeowners get their roof inspected annually, maintain your roof and fix those older roof leaks so they don’t become a major expense. Check with their insurance agent for exactly what coverage they actually have.

For more information on roofing issues visit www.theroofmedics.com or www.costeffectiveroofing.com.

Contact Information:
The Roof Medics LLC
Nicholas Bryditzki
Tel: 602-501-3415
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