No, that's normal expected wear and tear for any roof.
HO insurance policies are typically all risk and as such would cover such loss
No. Insurance does not cover mechanical problems.
cover
No, they will not cover it. However, if a gust of wind knocks it down, then they will cover the fence. Insurance does not cover damage caused by insects.
Most homeowners insurance policies cover repairs caused by storm damage, however you will have to check your policy to be certain. Usually, you will have a fixed amount of time to claim damages.
er damage caused by windows
Most policies do not cover rodent damages.
Heck Yeah UNLESS your policy does not cover it
Most policies do not cover damage caused by pest.
Most policies exclude coverage for damage caused by animals, varmints, and insects.
All homeowners policies cover damage caused by lightning.
Yes.