Making Sure Your Commercial Roof is Insured Properly  

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Many business owners feel that having commercial property insurance is enough to cover the potential expenses due to damage or age to the office, building, or facility. However, just like home insurance does not include flood insurance, so too does standard commercial property insurance lack certain protections that you believe it might cover.  

The last thing you want as a business owner is to discover after-the-fact that your commercial property insurance does not cover certain types of damage to your property, especially your roof. So, here are five reasons why you should ensure that your property insurance adequately covers the roof.  


Depending on your local and state laws, you may find that you must insure your commercial property and include the roof. You will need to check, especially if you are placing a policy on the roof for the first time.  Specific Types of Damage

While many commercial properties have a roof warranty, it often does not cover specific forms of damage that may cost you considerably in out-of-pocket expenses. Such limitations may include the following;

  • HVAC units
  • New Signage
  • New Installation of Satellite Dishes  
  • Poor Maintenance & More  

You should look over your roof warranty and make the appropriate changes to suit your needs. Keep in mind that such changes may cost more, but it may prevent an even larger cost from occurring.  

Emergency Repairs

Even commercial roofing that is well-maintained can still suffer damage from storms that may catch you at a most inopportune time. If your commercial roof does not have adequate insurance, you may find that a sudden storm causes thousands of dollars in damage that you might have to pay out of pocket. So, be sure to review the insurance that covers your roof and see if there are exceptions, deductibles, or other potential out-of-pocket costs.  


Even the best preventative methods are not enough to keep a roof on your building forever. Chances are, if you own the same building for at least 15 to 20 years, you are looking at replacing the roof. Perhaps that can be extended depending on the preventative measures you put into place but at some point, it will need to be replaced.  

Replacement can cost a considerable amount, but you may be able to defray some, if not most of the cost if you have proper insurance. You may find that you must take out some additional insurance, but the cost may well be worth it.  

Selling Your Business  

Proper insurance on your roof helps in selling your commercial property when the time is right. While the new property owners will have to provide their own insurance, it is a good selling point for them to know that the roof has been properly insured over time.  

Making sure the roof of your commercial building is properly insured provides several benefits that will pay off in case something unexpected happens. You will need to evaluate your current insurance, see where any potential issues are found, and then take the steps necessary to improve it so you are properly covered.