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A building is always susceptible to the vagaries of the weather.
The roof is one of the elements frequently affected by natural hazards, some of them extreme.
That’s why it’s essential to take out the right insurance coverage, so you can benefit from compensation in the event of damage to your roof.
Let’s take a closer look.
Home insurance to protect your roof
In order for an insurer to cover potential damage to your roof, you need to take out home insurance.
Most comprehensive home insurance policies include coverage for water infiltration or other roof damage.
However, it’s a good idea to familiarize yourself with your insurer’s offers beforehand, to clarify what is covered.
Reimbursement for damage to your roof depends on the nature of the damage.
For example, in the case of damage caused by water ingress, only your household goods, walls, ceiling and other interior elements will be covered.
Roof repairs are not.
In the event of natural disasters, such as a tree falling on the roof due to a severe storm or a section of roof blown off by strong winds, the repair of the roof and interior elements damaged by the incident is covered.
Situations where the insurer does not cover roof damage
Taking out home insurance does not automatically guarantee reimbursement in the event of damage to your roof.
For example, in the event of water infiltration, only interior damage is reimbursed.
Roof repairs are not.
The insurer will also refuse to cover damage caused by an old leak or a pre-existing roof problem that has not been repaired or has been neglected.
Finally, if you have failed to maintain your roof and gutters, the insurer may deny any claim for leakage.Top of form
How do you file an insurance claim after damage to your roof?
Here are the essential steps for submitting a home insurance claim:
- Report the loss to your insurer as soon as possible.
- Take steps to prevent further damage.
- Notify the relevant authorities about the incident and get help if necessary.
- Assess and repair damage.
- Draw up a list of affected and irrecoverable assets.
- Send invoices and proof of work to your insurer.
Toiture Grand-Montréal can help you with all your roofing-related damage.
At Toiture Grand-Montréal, we’re available to help you with emergency roof damage assessment and repair.
Our team of specialists will be on site promptly to carry out a detailed inspection, followed by repair of the damage.
We have roofers in Laval and on the South Shore who can intervene as required.
We can handle any damage to your residential, commercial, industrial or institutional property.
