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Get DirectionsIn Green Valley, AZ, it isn’t uncommon for temperatures to peak in the high 100s during the summer. This heat can do a real number on your roof and can lead to water leaks that can quickly spread through your home. Does home insurance cover this type of damage? That’s a question that we at Insurance Center Of Green Valley are prepared to answer.
How Heat Damages Roofs
Although most roofing tiles are strong enough to withstand severe Green Valley, AZ heat, it can still be damaged in a rather roundabout method. Excessive heat causes the tar paper underneath of your tiles to become very dry. This makes it brittle and can even cause it to crack and flake away from your roof. When this happens, your tiles will have cracks around them that will let in water.
Unfortunately, when rain finally does comes to the state, it will then wash through these cracks and severely damage your roof. This is especially true if your roof is nearing 10-15 years old, as this is typically the lifespan of most tar paper. While proper ventilation can help decrease your roof temperature, it may not completely prevent damage.
Will Home Insurance Cover This Damage?
The answer here is a little complex. Most insurance policies won’t cover heat damage caused directly to your tiles, as the impact on the tiles is typically negligible. As a result, most policies just don’t include that kind of coverage.
However, if you notice that the tar paper on your roof is damaged and that your tiles are peeling, excessive heat may be covered, as long as you can prove that’s what caused the problem. Most likely, though, your insurance will only kick-in when your roof is damaged by water, as water damage is covered by most home insurance policies.
Learning More
If you’re worried about the impact that heat will have on your roof, please contact us at Insurance Center Of Green Valley to learn more about how home insurance can protect it..