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FC&S has had a number of questions recently regarding roof repairs. The repair of the roof is straightforward as long as the damage is from a covered cause of loss. Where the issue gets complicated is when the damaged roofing is removed, only to reveal decking underneath that is worn and that must be repaired first before the roof can be replaced.

Is the repair to the decking part of the roof repair, or does the exclusion for wear and tear override that? This is the question we have received several times this year. Let’s start by looking at the actual policy language.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.  

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