As an Alberta resident, you know the weather can change dramatically within a matter of minutes. Winter snowstorms can lead to a build-up of ice around your home and the summer heat can cause severe hailstorms, often accompanied by wind and rain. With the ever-changing weather patterns, you need to make sure you check with home insurance brokers in Edmonton to make sure you are protected in the event of an incident.
How do you know if your Edmonton home insurance covers damage to your roof as a result of severe windstorms?
Several factors come into play when it comes to home insurance. The best way to find out whether or not you have the protection you need is to contact your Edmonton home insurance broker directly to have your property assessed. Here are some considerations when it comes to your protection coverage for your residential roof.
Age of roof
Not every roof can last a lifetime. Homes built in the last century often need upgrades or repairs to keep them in good working condition. The roof of the home is no different. As the roof begins to age it can start to deteriorate. When the surface of your roof is exposed to the elements, over time it can provide less protection than when it was initially installed. For this reason, your insurance company may require an inspection or limited coverage of damage caused by wind.
Type of roofing material
Residential roofs are made from various types of material including asphalt shingles, cedar shingles, pine shakes, tar and gravel, rubber composite, clay tiles, and even tin. Depending on the type and grade of each material, your roof may last 10 years or up to 50 years. Wind can damage different roofing materials at different rates.
Though you may think your insurance company gives you complete coverage for every roofing type, you need to check with your insurance broker to make sure you are protected. Some types of roofing material, like pine shakes, may have had recalls in the past, therefore may not be covered under a typical homeowner policy.
Your roof may be covered by your homeowner insurance policy based on a depreciated amount. If your roof is in poor shape and needs repairs, it will be assessed either at the time of obtaining your insurance policy or on a case-by-case basis after a windstorm. You may have to pay for a portion of your repairs after a nasty windstorm. Your Edmonton home insurance company will determine the amount of depreciation based on all the factors that affect the lifespan of your roof.
Regardless of the type of coverage you have for your roof, you will be responsible for paying the deductible as set out in your insurance policy. To make sure you are protected from the possibility of a stormy and windy season, it’s a good idea to have your roof assessed by a professional in your area.
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