Parker, CO may enjoy a generally temperate climate, but it still experiences its fair share of thunderstorms, hail, and even significant snowfalls that can pose a risk to a home’s structure. Roofs often suffer damage from such natural events and incidents like falling trees and termites.

If you find yourself dealing with a damaged roof, you’re likely wondering whether your Parker, CO home insurance will cover it. Our team at Jarvis Legacy Group can help clarify this. Most home insurance policies will cover roof replacement under certain conditions related to the cause of the damage. Here’s a quick look at the key factors you’ll want to consider about home insurance and roofing damage:

Understanding When Home insurance Will Cover a Roof Replacement

• Cause of damage: Most home insurance policies specify what types of perils or causes of roofing damage they will cover for a full roof replacement. The most common types of perils covered by Parker, CO policies include hail, fire, storms, and certain falling objects.
• Maintenance & age: Some insurance policies may require homeowners to provide evidence of how they’ve maintained the building’s roof in the years leading up to a claim. Many policies will not cover a roof replacement needed due to gradual wear and tear, known neglect, or normal roof aging. In fact, if you are purchasing a new-to-you home in Parker, CO, a home insurance provider may inspect the roof and require you to replace an older roof before insuring you.

Contact Jarvis Legacy Group to Learn More

For more information about home insurance policies and roofing claims, contact our team at Jarvis Legacy Group!