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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Friday, September 18, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<div id="block_e3b2ea07a195a09725b4166cd938b302" class="key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">
    <!-- htmlmin:ignore --></p>
<h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4">
    <span class="shrink-0">Control de presa</span><br />
        <span class="max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block"></span><br />
    </h2>
<p>    <!-- htmlmin:ignore --></p>
<ul class="flex flex-col text-gray-700 mb-0 gap-2 list-disc">
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            La esperanza de vida promedio del tipo más popular de techo (teja de asfalto de 3 tabaltaciones) es de 15 a 18 abriles. (Klaus Larsen LLC)
                                                </li>
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            Muchos propietarios subestiman la era del techo. La momento de techo inexacta cuesta a las aseguradoras de hogares $ 1.31 mil millones en primas perdidas cada año. (Verisk)
                                                </li>
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            Los techos más antiguos generalmente causan más reclamos de seguro para el hogar. Como tal, su compañía de seguros solo puede ofrecer una cobertura de valía en efectivo actual para fijar un techo más antiguo.
                                                </li>
</ul>
</div>
<p>Si el seguro de la casa cubre su techo dependerá de dos cosas: cuántos abriles tiene su techo y la fuente del daño. Si su techo fue dañado por poco cubierto por su póliza de seguro de hogar, una compañía de seguros probablemente ayudará con las reparaciones o reemplazo. Sin retención, cómo funciona ese suscripción de reclamos dependerá principalmente de la momento de su techo. Su compañía de seguros de hogar solo podría aceptar cubrir un techo más antiguo por su valía actual en efectivo. Esto puede significar una prima más permuta, pero generalmente ofrece menos cobertura. O, si su techo es elegible, puede fijar su valía de costo de reemplazo. Esto generalmente cuesta más, pero ofrece una mejor protección financiera. </p>
<h2 id="how-does-roof-insurance-work" data-beam-element-viewed="" data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Insurance, Homeowners Insurance" data-position="h2_second_placement" data-name="h2_second_placement" data-text="Does home insurance cover roof replacement" data-outcome=""><strong>¿Cómo funciona el seguro de techo?</strong></h2>
<p>Su póliza de seguro de hogar está diseñada para pérdidas repentinas y accidentales, no reparaciones generales. El seguro de vivienda no cubre su techo si necesita mantenimiento. Su política solo ayuda con las pérdidas causadas por un peligro cubierto. Hay dos formas en que una compañía de seguros puede fijar un techo: valía actual en efectivo o valía de costo de reemplazo. El valía actual del valía en efectivo (ACV) factora la depreciación en el suscripción de su propaganda, mientras que el valía de costo de reemplazo (RCV) no lo hace. Oportuno a esto, los pagos de reclamos ACV suelen ser más bajos.</p>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
<div class="card-body">
<div class="icon-wrapper">
            <svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" focusable="false"><title>Icono de la orientación de seguro de hogar</title>
<path fill-rule="evenodd" clip-rule="evenodd" d="M3.8 18.325c0 .987.618 1.792 1.372 1.792h15.956c.754 0 1.372-.805 1.372-1.792v-11.5c0-.987-.618-1.792-1.372-1.792H5.172c-.754 0-1.372.805-1.372 1.792v11.5Z" fill="transparent" class="icon-offset"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M11.208 18.108h-7.16c-1.41 0-2.548-1.27-2.548-2.843V5.434c0-1.565 1.147-2.843 2.548-2.843h14.386c1.41 0 2.548 1.278 2.548 2.843v4.915c0 .36-.295.656-.655.656a.657.657 0 0 1-.655-.656V5.434c0-.844-.558-1.532-1.238-1.532H4.048c-.68 0-1.237.688-1.237 1.532v9.83c0 .845.557 1.533 1.237 1.533h7.16c.36 0 .656.295.656.655 0 .36-.295.656-.656.656Zm6.333-10.7H4.875a.657.657 0 0 1-.655-.656c0-.36.295-.655.655-.655H17.55c.36 0 .655.295.655.655 0 .36-.295.656-.655.656h-.009Zm-2.179 3.622H4.875a.657.657 0 0 1-.655-.656c0-.36.295-.655.655-.655h10.487c.36 0 .655.295.655.655 0 .36-.294.655-.655.655ZM4.818 14.642h5.088c.36 0 .655-.295.655-.655a.657.657 0 0 0-.655-.656H4.818a.657.657 0 0 0-.655.656c0 .36.295.655.655.655ZM15.01 21.41h5.268c.729 0 1.319-.606 1.319-1.351V16.44a.67.67 0 0 0 .237.045l.009-.008a.651.651 0 0 0 .41-1.163l-1.32-1.044v-1.455a.657.657 0 0 0-.655-.655.657.657 0 0 0-.656.655v.417l-1.22-.966a1.218 1.218 0 0 0-1.5 0l-3.858 3.056a.651.651 0 0 0-.107.917c.182.236.49.305.754.2v3.619c0 .745.59 1.351 1.319 1.351Zm5.268-1.31v-4.662l-2.638-2.09-2.638 2.09v4.62l5.276.042Z" class="icon-base"></path></svg>
        </div>
<div class="content-wrapper">
<p>                    ACV vs. propaganda de techo de RCV
                </p>
<div class="content">
<p>Digamos que su techo de 10 abriles está completamente destruido oportuno a un peligro de política cubierta como un incendio, y necesita un nuevo techo. Así es como el seguro de hogar cubre el reemplazo del techo si su póliza tiene cobertura de valía en efectivo actual:</p>
<p><b>$ 50,000 (Costo del techo cuando lo obtuvo por primera vez) &#8211; $ 23,000 (depreciación) &#8211; $ 2,000 (deducible) = $ 25,000 PAGO DE RECLAMACIÓN</b></p>
<p>Con el valía del costo de reemplazo, es probable que reciba más capital de su compañía de seguros:</p>
<p><b>$ 50,000 (costo del techo cuando lo obtuvo por primera vez) &#8211; $ 2,000 (deducible) = $ 48,000</b></p>
</p></div>
</p></div>
</p></div>
</section>
<p>Si su techo es viejo, su compañía de seguros solo puede aceptar la cobertura de valía en efectivo actual. Los techos más antiguos a menudo son menos resistentes y podrían ser más propensos a un daño causante de reclamos. Para ayudar a mitigar reclamos costosos, una compañía de seguros de vivienda puede negarse a fijar un techo más antiguo o desgastado en su valía de costo de reemplazo.  </p>
<p><strong>Aprenda más: </strong>Cómo acertar una póliza de seguro de propietarios de viviendas</p>
<h3><strong>¿Cómo está cubierto su techo por su póliza de seguro de casa? </strong></h3>
<p>Su techo está cubierto por la parte de la vivienda (citación cobertura a) de su póliza de seguro de hogar. Con las políticas HO-3 y HO-5, los dos tipos más comunes de seguro de hogar, su techo está cubierto de forma abierta. Esto significa que su techo está protegido financieramente de todo tipo de pérdidas, excepto las que están específicamente excluidas de su política. Las exclusiones exactas pueden variar de una compañía a otra, pero generalmente incluyen: </p>
<ul>
<li>Daños por inundación</li>
<li>Terremotos</li>
<li>Mantenimiento</li>
<li>Plagas</li>
<li>Desgaste regular</li>
<li>Descuido</li>
<li>Supresión</li>
<li>Peligro nuclear</li>
<li>Acto del gobierno</li>
<li>Daño intencional </li>
</ul>
<p>En algunos estados propensos a huracanes y tormentas de rumbo, como Alabama, Florida, Louisiana, Mississippi, Carolinas, Texas y Hawai, el rumbo asimismo puede ser excluido de su política. En ese caso, necesitaría una póliza de seguro eólica separada o un endoso para proteger su techo.</p>
<h3><strong>Tipos de daños en el techo</strong></h3>
<p>El seguro de vivienda puede cubrir un reemplazo del techo, pero solo si el daño es causado por un peligro de póliza cubierta. Hay dos tipos principales de daños en el techo cuando se comercio de seguro para el hogar: daños por una pérdida cubierta o desgaste regular. Por ejemplo, si su techo tiene una fuga o daño oportuno a peligros cubiertos como granizada, una tormenta de cocaína, una rama de árbol que cae, rumbo o incendio, la compañía de seguros generalmente intervendrá para fertilizar la reparación o el reemplazo hasta sus límites de cobertura (suponiendo que su póliza no tenga exclusiones con respecto a su techo).</p>
<p>Sin retención, si hay una fuga que no está asociada con un peligro cubierto, por ejemplo, se debe a poco así como la defecto de la estructura, la desidia de mantenimiento o la momento viejo del techo, es poco probable que el seguro cubra la reparación o el reemplazo del techo. El mantenimiento y el mantenimiento del techo en curso son cruciales no solo para proseguir su techo, sino asimismo para rendir la protección financiera ofrecida por el seguro de sus propietarios.</p>
<p>Si no está seguro de lo que cubre y no cubre su póliza de seguro de hogar, hable con su agente de seguros para que no lo atrapen sin preparación.</p>
<h2 id="what-steps-should-homeowners-take-to-protect-their-roofs"><strong>¿Qué pasos deben tomar los propietarios para proteger sus techos?</strong></h2>
<p>Se retraso que los techos mantengan las condiciones climáticas, pero un techo aceptablemente mantenido es típicamente más resistente contra los nociones. Si aceptablemente es posible que no desee reemplazar todo su techo regularmente, el mantenimiento continuo podría proteger su techo y cerciorarse de que se mantenga mejor con el tiempo.</p>
<p>Aquí hay algunas formas de proteger su techo:</p>
<ul>
<li>
<strong>Programe una inspección periódica:</strong> Si no está seguro si su techo se sostiene, o si nota una fuga u otra indicación de que su techo puede sufrir daños, contrate a un inspector de techo para determinar si hay problemas estructurales. Puede programar una inspección cada dos abriles y chocar problemas menores antiguamente de que se conviertan en importantes.</li>
<li>
<strong>Podar los árboles cercanos:</strong> Los árboles se encuentran entre las causas más comunes de daño a los techos. Las ramas que caen y otros escombros pueden causar daños en el techo durante una tormenta o vientos pesados. Someter y podar las ramas de los árboles cercanas podría ayudar a minimizar este tipo de daño.</li>
<li>
<strong>Mantenga las canaletas limpias:</strong> Las canaletas están destinadas a tolerar agua, lo que podría ser el enemigo más sobresaliente de un techo, remotamente de la cabeza. Si su canaleta se llena con hojas o escombros, el agua podría desbordarse en la cabeza, debilitando la estructura o causando fugas interiores.</li>
</ul>
<h2 id="i-need-a-new-roof-now-what"><strong>Necesito un techo nuevo. ¿Ahora que?</strong></h2>
<p>Un nuevo techo es una inversión significativa. El costo promedio de reemplazar un techo es de cerca de de $ 9,520. Comience buscando una empresa de techado de buena reputación. Las referencias de amigos o familiares pueden ser aperos, pero siempre es una buena idea confirmar que la compañía tiene osadía, unida y asegurada.</p>
<p>Por otra parte de nominar la compañía adecuada, el tipo de material que elija puede marcar una gran diferencia en cuánto tiempo durará el techo. Como se mencionó, los techos de tejas de asfalto tienen una vida útil promedio de 20 abriles. A continuación se presentan algunos de los materiales más comunes utilizados para hacer tejas, pegado con su vida útil esperada y el costo asociado.</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<thead>
<tr>
<th><strong>Material de guijarros</strong></th>
<th><strong>Costo de reemplazo</strong></th>
<th><strong>Esperanza de vida*</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td>Cobre</td>
<td>Hasta $ 19,500</td>
<td>Más de 50 abriles</td>
</tr>
<tr>
<td>Pizarra</td>
<td>Hasta $ 50,000</td>
<td>Más de 50 abriles</td>
</tr>
<tr>
<td>Concreto</td>
<td>Hasta $ 24,000</td>
<td>Más de 50 abriles</td>
</tr>
<tr>
<td>Arcilla</td>
<td>Hasta $ 50,000</td>
<td>Más de 50 abriles</td>
</tr>
<tr>
<td>Asfalto</td>
<td>Hasta $ 15,785</td>
<td>20 abriles</td>
</tr>
<tr>
<td>Tejas de cemento de fibra</td>
<td>Hasta $ 16,500</td>
<td>25 abriles</td>
</tr>
<tr>
<td>Madera</td>
<td>Hasta $ 15,645</td>
<td>30 abriles</td>
</tr>
</tbody>
<tfoot>
<tr>
<td></td>
<td></td>
<td>*<em>Según la Asociación Franquista de Constructores de Viviendas</em>
</td>
</tr>
</tfoot>
</table>
</div>
<p>Por otra parte, las tejas solares están disponibles. Si aceptablemente son caros, estos son básicamente paneles solares pequeños que puede integrar en todo el techo pegado con otro tipo de teja para ayudar a eludir en las facturas de energía.</p>
<h3><strong>Reemplazo de la reparación del techo frente al techo</strong></h3>
<p>Al arriesgarse si reparar o reemplazar su techo, es posible que desee considerar las siguientes opciones:</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<thead>
<tr>
<th>Reparar…</th>
<th>Reemplazar…</th>
</tr>
</thead>
<tbody>
<tr>
<td>Si el daño es pequeño y localizado</td>
<td>Si el daño está generalizado</td>
</tr>
<tr>
<td>Si el techo tiene 10 abriles o menos</td>
<td>Si el techo es viejo o si planea traicionar su casa en un futuro cercano</td>
</tr>
<tr>
<td>Si las nuevas tejas no coincidentes no afectan el atractivo de la reborde de la casa</td>
<td>Si el costo de la reparación está cerca del costo de un reemplazo completo</td>
</tr>
</tbody>
</table>
</div>
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<!-- sc5a72ec-676129 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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