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Most homeowners insurance companies do not provide mortgage financing.

Any damage done to a home, such as hail, wind, fire, etc. should be covered by the homeowners insurance.

If the roof is just "worn out" it is the homeowners responsibility This is considered normal and expected maintenance incidental to home ownership.

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Q: If there is a great deal of damage done to the roof of your house and no company will finance you will your insurance company help you?
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