Every Colorado homeowner should have insurance
You just never know what the next day will bring, and your home is your biggest investment. For Colorado homeowners, you also know that you need to protect your home from the damage that our four beautiful seasons may bring. With an ever changing climate, Colorado is no stranger to extreme weather patterns that can cause all kinds of damage to your home, and it’s often your roof that takes the brunt of it all.
Most homeowner insurance policies will cover damage caused by weather like hail and heavy winds, but there are factors that every homeowner needs to be aware of that could cause your insurance company to deny your claim, or deny full coverage. The best thing you can do for yourself as a homeowner is to be aware of these limitations in your policy that could affect your insurance claim.
The age of your roof can affect insurance payout
The age of your roof could determine whether you are getting reimbursed in full for all repairs, or it could dramatically cut down the amount you will get back in case your roof is damaged by weather or “acts of God”. An older roof may not pay out as much because, well, because it’s old and your insurance company may determine that age played a factor in making your roof more vulnerable. Replacing old and worn roofing materials may have prevented this damage, and so, your insurance company will not find themselves responsible for paying.
Any leaks or water damage that occurred during the last heavy downpour could be determined to be the owners fault if the gutter system was old, worn and unable to deflect rainwater properly away from the home.
This is also why it is so important to stay on top of your home maintenance duties, especially when it comes to maintaining your gutter and roofing systems tight and durable. Before your roof suffers damage, do a quick inspection and make sure everything is working as it should. Some things can’t be avoided, but when the damage is done, you need to make sure you too preventative measures so that you insurance company can’t blame homeowner negligence on your roof damage.