Moss is unsightly and can be detrimental to your roof´s health. So, when you notice it creeping up your shingles, a natural question arises: Does my homeowner´s warranty cover this? Unfortunately, the short answer is usually no. But let´s dive deeper into the specifics, explore why this is the case, and discuss how to protect your roof and wallet.
To begin, let´s clarify what a homeowner´s warranty covers. Essentially, it´s a contract between you and a warranty company that promises to repair or replace specific home systems and appliances in case of breakdowns.
Commonly covered items include HVAC, plumbing, electrical, and major appliances.
While some warranties might offer limited coverage for roof leaks, they typically exclude issues related to roof maintenance, such as moss removal.
This action is because moss growth is generally considered usual wear and tear and is not covered under most homeowner´s warranties.
Before we discuss warranty specifics, it´s essential to understand why moss is a problem on your roof.
Moss thrives in damp, shady conditions, and your roof provides the perfect environment. As it grows, it:
Moss roots can penetrate under shingles, causing them to lift and potentially crack.
Moss can prevent your roof from drying out, creating a breeding ground for mold and algae.
Moss can provide a home for insects and rodents.
It´s crucial to distinguish between homeowner´s insurance and homeowner´s warranty. While both protect your home in different ways, they have distinct purposes.
It covers unexpected damages caused by storms, fires, or theft. However, it typically won´t cover gradual damage like moss growth.
It covers breakdowns of home systems and appliances but usually excludes maintenance issues like moss removal.
Since your homeowner´s warranty likely won´t cover moss removal, it´s crucial to take proactive steps to protect your roof:
Check your roof for signs of moss at least twice a year.
Ensure your attic is well-ventilated to reduce moisture buildup.
Trim extended branches to allow sunlight to reach your roof.
If moss becomes a significant problem, consider hiring a professional roof cleaning service.
If your roof is old or severely damaged, replacement might be necessary.
Knowing some standard exclusions in homeowners’ warranties helps understand why moss removal isn’t covered.
This exclusion includes issues like gradual deterioration due to age or environmental factors.
Problems that existed before the warranty started are typically not covered.
Failure to maintain your home´s systems or appliances can void coverages.
Homeowner´s insurance usually covers events like hurricanes, tornadoes, and earthquakes, but they are not covered.
Understand the exact terms and conditions of your homeowner´s warranty.
Some contractors offer annual or bi-annual roof maintenance plans that include moss removal.
Take steps to prevent moss growth in the first place, such as proper ventilation and tree trimming.
While it´s disappointing that your homeowner´s warranty likely won´t cover moss removal, understanding the reasons behind this exclusion cna help you protect your roof and finances.
By taking the initiative to prevent and address moss growth, you can extend the lifespan of your roof and omit costly repairs down the line. Call our skilled team!
