Thursday, 25 February 2016

Does My Edmonton Insurance Cover Roof Replacement?

A common mistake that new homers make when they purchase home coverage is failing to realize that their home insurance policy does not cover everything. This is why here at Sharp Insurance we always recommend that customers read through their policy carefully before purchasing it. Being aware of the smallest detail can go a long way towards saving you money down the road.

If you own a house in Edmonton, then you might have wondered at some point whether your policy extends to cover roof replacement. While there is no "one-size-fits-all" answer to that question, generally speaking you can expect your Edmonton insurance company to cover the costs related to roof replacement only if it is the result of an act of nature. This is because roofs that have exceeded their lifespan fall under your general maintenance responsibility. Also keep in mind that while most policies will cover damage caused by leaking roofs, they won't actually cover the repairs.

So what exactly is considered an "act of nature"? In Edmonton, ice storms and damage resulting from heavy snow all fall under the category of acts of nature. Remember that these are only two examples. Many other things can easily fall under this category, but these are the most common ones. If your your roof damage can be traced back to an act of nature, then you are most likely eligible to file a claim.

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