If you own a home along the Colorado front range, chances are, you will experience a hail claim at some point in the next 10 years. Colorado is the hail capital of the US! It is the most costly & common weather related claim in Colorado, causing billions in damage many years. But hail isn’t the only thing wreaking havoc on roofs in Colorado. The Colorado sun can also can cause major damage to your roof! Unfortunately for homeowners, the sun is not a covered peril, when it comes to your homeowners insurance.
Claim or no Claim?
How can you tell if your insurance company is going to buy your roof? One way to determine if damage will be covered by insurance is to evaluate how long it took for the damage to occur. Generally speaking, if the damage occurred over a prolonged period of time, there’s no coverage. Wear and tear can cause various types of roof damage. For example, over many years, the sun can cause asphalt shingles to degrade. This would not be covered by a homeowner policy. Another example is granular loss, which occurs over time, due to rain, sun, freezing and melting. If you’re expecting insurance to pay, you should be able to pinpoint the damage to a single day or event. Obviously, this doesn’t guarantee a claim will be covered, but it’s a start.
What Should you do if you suspect roof damage?
I recommend first having a reputable roofer inspect for damage. A good roofer will know how to tell the difference between wear and tear and damage that would
be covered by an insurance policy. At Premier Mountain Insurance, we work with reputable roofing companies who can inspect your roof, free of charge. This is a better route than turning in an insurance claim first, because almost all insurance companies will penalize you for filing claims or multiple claims. You should only turn in a claim, if you’re pretty certain it will be paid out. Call our office if you need assistance with your claim or if you need a referral for a roofer.