Living in Chicago: Do You Need Extra Coverage for Rooftops, Decks and Patios?

Enjoying the elements throughout at least three of Chicago’s temperate seasons can be an exciting opportunity for homeowners. However, while many residents may find adding rooftop gathering areas, patios and decks appealing, these renovations may also enhance risk profiles, necessitating insurance considerations. At Salvador Insurance Agency, we can offer guidance in this area.

Are Rooftops, Decks and Patios Covered by Home Insurance?

In many cases, a standard homeowners insurance policy can indeed cover habitable rooftops, decks and patios. However, specific financial protections and potential exclusions may vary. For example, decks and patios attached to a homeowner’s primary dwelling can typically be covered under their policy’s dwelling coverage. Alternatively, standalone features may fall under other structures coverage, which typically entails lower limits.

Rooftop decks can be particularly complicated when it comes to home insurance coverage. These additions may involve significant risk levels, as they alter an already vulnerable part of a home and structure consistently exposed to the elements. Furthermore, they may increase perceived liability risks, such as due to the possibility of a guest falling from them or furniture toppling over the edge and potentially landing on a passerby or a neighbor’s property.

How Might These Additions Affect My Coverage Needs?

Adding a deck, patio or rooftop area to your home typically increases your home insurance needs. Whether you need to add an endorsement, increase your coverage limits or otherwise account for greater perceived risk levels, you’ll want to discuss your plans with your insurer before beginning any projects. You should generally expect higher home insurance rates when adding one of these features.

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Contact Salvador Insurance Agency today to discuss your patio, rooftop or deck plans and confirm that your home insurance policy will continue to address your changing coverage needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.