Would the insurance carrier owe for property, damages or roofing degradation and damage due to the extreme heat waves that have been experienced in North Texas? The heat has caused the shingles to crack, fishmouth, melt, etc. Can I file a claim for this damage?
I am sorry to say, but no, “heat” damage is not a covered peril. Insurance companies insure roofs for direct physical loss and damage caused by sudden events like windstorm and hail. Extremes of temperature (both directions) are hard on roof surfaces, but are considered part of the normal wear and tear and aging process.