The Best Rated Roofing Companies

Navigating insurance can be confusing, but here’s the gist. Generally, most insurance policies cover sudden and accidental roof damage—like fire, vandalism, and “acts of God” (blizzards, tornadoes, etc.). However, it’s less likely for insurance to cover damage from wear and tear or lack of maintenance. The best course of action? Review your policy closely and talk with your insurance agent. They can clarify what’s covered and what’s not, so there are no surprises.

Pay attention to these tell-tale signs: Shingles in distress: If you notice your shingles are curling, cracking, missing, or seem darker in some areas, it’s a sign they’re not in fighting shape. Leaks and water damage: Spots on your ceilings or walls might indicate your roof is letting water in. Daylight through the roof boards: If sunlight can creep in, so can water and cold air. Sagging: Any sagging areas can indicate structural issues that need immediate attention. Age: If your roof is over 20, it might be time for a thorough inspection or a replacement. Roofing materials vary in lifespan, but most will require attention after two decades. Considering these tips and being proactive about your roof’s condition can save you a great deal of time and money in the long run. Remember, your roof is your home’s first line of defense against the elements—treat it well!