Each year, many legitimate roof claims are submitted under the Self-Insured Property Plus Program.

Unfortunately, we also receive a few claims involving water leakage and/or damage to contents, which are caused by failing to properly maintain the roof. Regardless of the building material involved, all roofs suffer wear and tear and will eventually need to be replaced; however, this lifespan can be extended through proper maintenance.

The purpose of the Property Plus Program is to pay for fortuitous losses; it is not to pay for the maintenance costs of a covered facility. This means that the Property Plus Program will not pay to replace a roof when a claim is made that involves a Lodge’s lack of maintenance or necessary replacement.

Roof Maintenace Checklist

Claims for water leakage and damage to contents may result from a Lodge failing to properly maintain a roof.

All roofs experience wear and tear, no matter what type of roof.

Snow and ice accumulation can accelerate the need for repairs.

The lifespan of a roof can be extended by proper maintenance.

The Property Plus Program only pays for unexpected losses, not wear and tear.