The Florida home insurance policy covers mainly loss by theft, damage or even fires. The components of this insurance are usually divided into various sections that cover dwelling, personal property, additional living expenses and personal liability among others. When your North Port roof is leaking, you will need to have it repaired immediately. Shingle roof replacement needs to be done to avoid water damage, mold or structural damage.
It is important to note that the Florida homeowner insurance policy does not cover some forms of loss as a result of these leakages. That is why it is important that you take the time to understand what is covered and what is not so that you do not assume that the insurance policy will take care of the expenses.
What you thought was a covered loss but is not:
Flooding – Special flood insurance must be purchased, apart from your standard HO policy. If you live in a flood zone, this is a required addition.
Mold – There are over 1,000 mold species in the US and the Florida HO policy limits coverage unless, as a homeowner, you are willing to pay more for the coverage. In Florida, the high levels of humidity contribute to probability of mold developing in your home.
Sewer backup – As the sewer line ages, it may backup to the home damaging your walls and property and it will not be covered by the policy.
Termite infestation – This is not included in your property insurance since, with early intervention, it can be avoided.
What you didn’t think that is covered loss but is:
Sinkholes – These are sudden gaps in the earth that occur when the groundwater dissolves rocks, gradually carrying it away and creating cracks in the bedrock. It is only in Florida that you find sinkhole coverage is mandatory as part of the standard HO policy.
Water Leakage – This can be covered, although for a successful insurance claim the cause of the leak needs to be isolated. The Florida HO policy will give you payment either to have a full shingle roof replacement or repair – if it is found to be the cause of the leak. The amount of reimbursement, however, varies according to policy.
In most cases, the Florida Homeowner’s policy will return your roof back to the way it was before the leakage. If there are building codes for roofs that have changed since you erected the roof, then the coverage will not be enough. You may have to pay the extra cost from your pocket to get the roof back in good working order.
Always Check With Your Insurance Agent!
At Mark Kaufman, we do a lot of work with insurance companies to restore the roofs of homeowners throughout North Port and the surrounding area. We would like to urge homeowners to sit down with their insurance agent to look over the coverages included in their policies to prevent unpleasant surprises when damage occurs. Laws are continually changing – but with yearly updates on the policy, you will be able to know exactly how much your home is insured for.
For your tile, metal, or shingle roof replacement and repair needs, however, contact our team at Mark Kaufman Roofing!