Why Insurance Companies Replace Roofs

There are three main reasons that insurance companies cover roof replacements. It's the most expensive maintenance item on the home. The lifespan of the roof is shortened and there are future problems.

A roof is a service item on the home. There's a service life on the roof. It has to be replaced. It has a wear life that we expect when we are a homeowner. The truth of the matter is that when hail or wind impacts a shingle or damages shingles, if the manufacturer's warranty was still applicable, it's now void because that's the fine print on the warranties and the lifespans been compromised, whether it's hail or wind.

The final reason here is to prevent any future problems from arising because roof problems are expensive enough, but once they creep their way into the home, things start getting a whole lot more expensive, a whole lot more complicated, and no one wants that. So it's in the insurance company's best interest.

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