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Does Your Insurance Policy Cover the Roof of Your Commercial Property?

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Many business owners believe their commercial insurance covers that roof damage. Understanding your commercial insurance policy properly will help you determine the extent to which it covers claims for roof damage, despite its extensive coverage.

Does the insurance cover the roof replacement cost, or does it only cover repairs? Before deciding on insurance coverage, it is also essential to thoroughly examine all aspects. Continue reading to learn more about the roof damage and the instances in which your commercial insurance will cover it.

Damage to Commercial Roofs Not Covered Under Warranty?

Warranties provided by your roofing contractor may protect the roofing material and installation, but they are not the same as building insurance, which is independent and distinct from these warranties. Warranties are small insurance coverage paid for by the maker of commercial roofing products. When purchasing business property insurance, be sure to ask your insurance agent the following questions:

  • Is your complete roof, from the roof deck to the surfacing materials, covered by insurance?
  • Is the roof insured against insect damage, storm and wind damage, water infiltration, and debris carried by the wind from nearby structures?
  • If the roof is demolished, would the insurance cover the whole cost of replacement, or will only repairs be covered?

Important Factors to Keep In Mind

When purchasing a new business roof and considering how it may impact your property insurance, it is important to consider several crucial factors. There is a key distinction between residential and commercial roofs that both purchasers and insurers must comprehend. Here are some noteworthy points:

  1. You must first review your current insurance policy to ensure that your commercial roof is adequately covered. Also, confirm whether your policy covers both roof replacement and wind damage.
  2. The basic insurance policy may not cover roof improvements such as HVAC systems, satellite dishes, etc. Consequently, you must periodically update your policy to reflect any expansion.
  3. The insurance may deny your claim because your negligence caused the damage. To prevent the same, maintain records of annual or semiannual inspections, routine maintenance and repair, warranties for existing materials and labor, due diligence in addressing issues, and any other measures you deem essential.

The roof protects the company's assets from natural calamities and the elements.

A damaged roof on a commercial building may result in a loss in business. Before the unexpected can occur, ensure adequate commercial coverage to cover any potential roof damage.

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