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Your roof is a crucial home component—it shields you from the elements, ensuring your safety and comfort. However, it can be one of the costliest parts to repair or replace when issues arise. This is where home insurance steps in. At Franklin Insurance Agency in Rio Rancho, NM, we frequently field questions about the types of roof damage covered by insurance. Let’s simplify this topic for better understanding.
Is Storm Damage Covered? Usually, Yes.
If your roof suffers damage from a windstorm, hail, or even a fallen tree during a thunderstorm, there’s a high probability your homeowner’s insurance will help cover the cost of repairs. These are deemed "sudden and accidental" events, which most policies are designed to protect against.
What About Wear and Tear?
Regrettably, home insurance doesn’t cover damage that occurs gradually over time. So, if your roof leaks due to aged shingles or prolonged sun exposure, that’s considered maintenance and the homeowner’s responsibility. Regular inspections and maintenance can help prevent this type of damage from worsening.
Is Damage from Fire or Vandalism Covered? Yes.
If your roof is damaged due to a fire or intentional property damage, your policy likely has you covered. These are also considered sudden events, and your insurance is designed to help you recover from unexpected situations like these.
Understanding New Mexico Home Insurance Coverage
Every policy has unique aspects, and it’s crucial to understand exactly what yours covers. At Franklin Insurance Agency in Rio Rancho, NM, we’re here to help you navigate the complexities. Contact us today, and let’s ensure your roof—and your home—are adequately protected.