Home insurance is designed to protect you during a disaster or crisis, such as a break-in or storm. However, homeowners in Okemos, MI, sometimes find that their policy must pay for new structural components, raising the question of whether an upgraded roof can be covered under a claim.
Covered Perils
Your policy will only cover damage caused by a covered peril. For example, damage from tornadoes, lightning, and high winds is typically included in most homeowners’ insurance policies. Damage caused by wear and tear, neglect, or age is usually not covered. Coverage can vary depending on your provider, so speaking with an agent at Great Lakes State Agency can help you understand what your specific policy includes.
Coverage Limits
Most home insurance policies include coverage limits, which determine the maximum amount the insurance company will pay to repair or replace your roof. These limits are generally intended to replace your current roof with materials of a similar type and quality.
Whether you can upgrade your roof after a covered event depends on the cost difference. For example, upgrading from asphalt shingles to a metal roof may not be fully covered because metal roofing typically costs significantly more. However, minor upgrades or higher-quality shingles that fall within your coverage limits may be possible.
The best way to determine your options is to speak with a representative at the Great Lakes State Agency. We can review the cause of the damage, explain your coverage limits, and help you understand whether an upgrade is feasible. Contact us today. We proudly serve the Okemos, MI area.
