A homeowner’s insurance may provide you with peace of mind, but there are policy limits and some things may only be partially covered or may not be part of the provisions at all. Finding out that there are limitations to something that’s supposed to protect you isn’t exactly good news, but learning what’s not included allows you to better prepare for them.
In this post, your local roofing contractors at Lexington Blue discuss the things that your homeowner’s insurance may not cover.
Though it’s one of the most common weather hazards, few policies actually cover them. Flooding caused by a ruptured pipe or house leaks are covered, but not when they come from Mother Nature. Consider getting separate flood insurance if your homeowner provisions don’t cover it and if your area is prone to such an event.
Mold is a nasty side effect of rain and moisture damage and in some cases, can damage critical parts of your home. Most homeowner policies limit and even exclude mold damage though so your best bet is to do preventive work to ensure it doesn’t occur.
You can do this by checking the roof and air conditioning for leaks and by allowing floods and spills to dry properly. Preventive maintenance on the roof and siding also prevent mold growth by addressing small leaks before they grow into a larger and more difficult problem to handle.
These wood-eating insects are a major threat to homes but few homeowner policies actually protect against them. Just like with mold, the best way to handle this is by doing preventive work so that termites don’t start colonizing your home.
You can start by doing a routine inspection on the major wooden parts of your home, such as the foundation of your roof. Wet or worn-out patches of wood are attractive to termites, so you’ll want to repair or replace these as soon as you find them.
If your roof is past its service life, consider doing a roof replacement as well. A leaky roof puts the underlayer and attic at risk of water damage, which in turn can attract wood-eating insects like termites to your home.
By figuring out what things are excluded from your homeowner’s policy, you’re better prepared to prevent them from happening to your home. Let Lexington Blue assist you in your upcoming remodeling projects. Call us today at (859) 368-6346 or fill out our contact form to learn more. We are local roofing contractors serving homeowners throughout Lawrenceburg, KY.