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When the Roof needs Repair - What about the Decking

When a roof is damaged by wind, hail or some other covered loss, it's not unusual for worn decking to be discovered when the roof is removed for repairs. That worn decking also needs to be repaired. The question then becomes does the wear and tear exclusion apply, or should the repair to the decking be considered part of the roof claim? This article reviews the issue and how it should be handled.

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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

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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