That sound. Drip, drip, drip. It’s one of those sounds you don’t want to hear hitting your floor. The next thing that comes to mind is, if you purchased your home insurance in Lancaster SC, does it cover a roof leak? It depends.
What does it depend on? What caused it?
A tree sticking through my roof?
Yes. Rain coming through your roof caused by a tree falling during a storm, is a covered. Read our blog on Will Home Insurance Cover Tree Removal?
Hail Damage? Maybe.
Even in the Carolinas, we experience hail storms from time to time. When hail hits, it can damage the roof or covering of your home. Although hailstorms can be destructive, the amount of damage can vary greatly.
Following are some factors that affect the type and degree of damage that may be impacted by a hailstorm:
Size and density
The size of the hailstones can affect the degree of damage, if any, to your property. A hailstone can be as small as a pea, or as large as a softball. Most hailstones do not have smooth edges, which can impact the type of damage they cause.
Building materials
Building materials absorb hail impacts differently. For example, hail can cause dings in aluminum siding, gutters or asphalt shingles, whereas it can crack vinyl siding or wood shakes. Alternatively, softball-sized hailstones can be dense enough and strong enough to puncture a roof. Additionally, the age and condition of a roof could affect the degree of damage.
Other than storm damage, a leaking roof is not covered under a home insurance policy. That falls under general maintenance. That’s why it is important to check the condition of your shingles from time to time or contact a professional. If you are pushing 20 years since you last replaced your shingles, it may be a good idea to get an estimate!
There is a difference. To find out how our independent insurance agents can help you find the right insurance coverage, please contact HFC Insurance today. Call our Lancaster SC office at 803-286-1161 or our Pawleys Island, SC location at 803-429-3322. Visit our YouTube Channel on everything insurance.
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