Home insurance can help cover damage from various covered perils, ensuring you don’t have to pay out of pocket for expensive estimates and materials. Whether your policy covers loose shingles depends on a few factors.
Covered Perils
Whether your policy helps out depends on whether the damage is caused by a covered peril. Most home insurance policies cover high winds. However, if those high winds are caused by a nearby tornado, your policy would have to list tornadoes as a covered peril. Every policy has a list of covered perils, so it’s best to speak with an agent at Focus Insurance to learn more about your policy. The covered perils often vary by policy provider and location.
Common Exclusion
Every Eureka, MO policy also has a list of exclusions. One of the most common exclusions in this scenario is neglect. Another is normal wear and tear. If your roof is already old and needs to be replaced, your insurance provider might not cover the damage, as it may be considered normal wear and tear.
Likewise, if there are already loose shingles or repairs that need to be made, the policy provider may say it was due to neglect. If you already have loose shingles, the ones next to them are more likely to wind up loose after a storm.
It’s crucial to understand your policy in detail to ensure you have coverage when you need it. Agents here at Focus Insurance will take the time to explain everything to you, including the covered perils and exclusions listed on your policy. Contact us today for more information. We’re currently serving the Eureka, MO area.
