Many homeowners in Tucscon, AZ wonder if their home’s roof would be covered by their homeowner’s insurance policy in the event that the roof becomes damaged. While each policy has its own specific coverage terms and amounts, there are general guidelines which may help you determine what kind of roof damage is likely to be covered. Here we will take a look at the kinds of roof damage which is generally covered by most homeowners insurance in Tucson, but it is always advisable that you consult your policy documentation or your broker for further clarification and specifics.
Acts of God
Acts of god is a term which generally refers to natural disasters. Even though Tucson, Arizona is very unlikely to be the site of a catastrophic hurricane or earthquake, roof damage resulting from these natural disasters, as well as a storm, tornado, or other act of god, are generally covered by most homeowners insurance policies.
Tucson homeowners insurance policies usually cover acts of vandalism against your home’s roof, so long as it is deemed unpreventable. For example, if your family is out of town and your home becomes damaged in a protest or riot, this kind of damage will likely be covered. As with all of the categories here, it is best to check with your broker or insurance paperwork to verify that your policy includes this coverage and the amount of coverage provided.
Most homeowners insurance policies cover roof damage which results from fire. However, the insurance company may depreciate the value of your roof, depending on its age and the terms of your individual policy. For example, roofs over 10 years of age may not be paid for 100%. This coverage is important, and it is worth asking your broker what your options are in this respect.