Every fall in Thurston County, the rain returns and so does the moss. Many Lacey homeowners barely notice it anymore. Insurers notice, though, because moss holds moisture against shingles and can slowly shorten a roof’s life.<\/p>\n
Homeowners policies are built to cover sudden, accidental damage, like a windstorm tearing off shingles or a falling limb puncturing the roof. Most policies exclude wear and tear, deterioration, rot, and damage from repeated seepage over time. Moss damage tends to develop gradually: it lifts shingle edges, traps water, and can lead to rot in the decking underneath. Because of that slow progression, leaks tied to moss are often treated as a maintenance issue rather than a covered loss.<\/p>\n
There can be gray areas. If a storm causes a sudden leak on a roof that also has moss, the cause of the loss and the policy’s wording both matter. Coverage decisions vary by carrier and by the facts of each situation.<\/p>\n
Photos, roofer invoices, and treatment dates help show a pattern of upkeep if a claim ever comes up. Our post on heavy rain and drainage issues<\/a> covers how maintenance shapes other water-related claims too.<\/p>\n Johnson Insurance Agency in Lacey, WA can explain how your policy treats roof wear and sudden storm damage. Review our home insurance options<\/a> or reach out to Johnson Insurance Agency<\/a>, serving homeowners in Lacey, WA and across Thurston County.<\/p>\n","protected":false},"excerpt":{"rendered":" Every fall in Thurston County, the rain returns and so does the moss. Many Lacey homeowners barely notice it anymore. Insurers notice, though, because moss holds moisture against shingles and can slowly shorten a roof’s life. Why Moss Usually Lands on the “Maintenance” Side Homeowners policies are built to cover sudden, accidental damage, like a […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[19,13,15,30],"class_list":["post-99","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-home-insurance","tag-johnson-insurance-agency","tag-lacey","tag-moss"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t