After the extremely intense winter we experienced, it can seem miraculous that your home is still standing strong. It offered you refuge from the barrage of snow storms we experienced, and safeguarded your family against the sub-zero temperatures. After such an extreme season, though, your roof may be weakened. As the snow on your roof melts, ice dams could be created, causing water build up that will compromise the structural integrity of your roof.
Should the worst happen and part of your roof collapse, would your home insurance cover the cost of repairs? Fortunately, the answer is yes! The weight of ice and snow is usually a covered cause in a homeowners insurance policy. That means that your policy will kick in to repair your roof and replace any personal property that was damaged when the collapse occurred.
Generally, when your roof collapses your home will become unlivable for a period of time. Make sure that you are carrying loss of use coverage as part of your homeowners insurance policy. This will ensure that the cost of the hotel you need to keep a roof over your head while your own roof is repaired will not be something for which you have to pay. Loss of use coverage can even help cover extra food costs or other living expenses you incur as a result of being displaced for your home, up to your policy’s limit.
The expert insurance agents at Insurance and Mortgage Services can help you get the coverage you need to protect your home in every season. For great coverage at a great price, contact our team in Batavia, Illinois. We are here to help you secure the homeowners insurance you need to have peace of mind knowing no matter what happens to your home, you are protected.