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For damages from storms or weather related issues, sometimes from accidents such as your neighbor's tree limb crashing onto it, although it some cases it might be the neighbor's responsibility. However, a roof is not covered by homeowner's insurance if it is a matter of replacement or repair due to damage from normal "wear and tear".

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โˆ™ 2005-10-22 13:28:23
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Q: Is a roof covered under homeowners insurance?
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Does homeowners cover water damage from a leaky roof?

In most states, homeowner's insurance does not cover water damage from a leaky roof. Water damage is generally covered under a separate policy called flood insurance.


Does homeowners insurance cover roof damage from snow?

be more specific - collapse by weight of ice and snow is covered for example......how did the snow damage the roof?


Will homeowners insurance cover a new roof?

Your question can be read in a couple of ways. 1. If an occurrence covered by a homeowners policy caused damage to the roof, it probably would be covered. If the occurrence that caused the damage was a type of occurrence covered by the policy, the damage would likely be covered. 2. Conversely, if the roof leaked just because it was old, insurance would not cover repair or replacement because insurance does not cover ordinary wear and tear. 3. If what you mean is whether a new roof (rather than an existing roof) is covered, the rule stated in #1 would apply.


Is a 8 year old leaky roof covered by homeowners insurance?

It depends on plan/company you have. (NOTE: This answer is coming from a 13 year old)


Your house has termite and roof damage and mold can the home insurance pay for it?

Most Homeowners Insurance Policies do pay roof repairs if damaged by a covered peril so long as its not a worn out roof or pre existing condition. Mold and Termite or other common household pests are not covered unless specified in the named perils or by endorsement. The best chance of getting Homeowners "All Risk" coverage is buy purchasing a Homeowners HOC or HO3 all risk policy.


Does homeowners insurance cover a car under collapsed roof due to snow?

Homeowners insurance specifically excludes damage done to any four wheel motorized vehicles and motorcycles. Your only coverage for such is under an auto insurance policy and you will need to have comprehensive coverage for such a claim.


Will homeowners insurance pay for your roof replacement?

It really depends on several factors such as the language of your Homeowners Insurance Policy, The condition of your roof but primarily, whether you have replacement valuation on your homeowners insurance policy. If your wanting your roof replaced simply because it is worn out then there is no policy that will cover it as that is just a normal and expected part of home ownership. Composition (Shingle) roofs need to be replaced about every 20 years or so. If your roof is severely damaged and a total loss due to a covered peril such as wind or hail damage, with replacement valuation coverage on your policy and the roof is beyond repair, then you should have no problem getting it covered for replacement by your insurer.


Does homeowners insurance cover water leak?

It depends on what caused the leak. If your leak was caused by a covered peril on your policy such as Hail wind fire etc, then your homeowners insurance would cover the cost of a repair and the repair of internal damage resulting from the leak. If the leak is resultant of aged material or normal wear and tear such as an old faucet or an old roof that has outlived the life of the material, then it is a maintenance issue and would not be covered under your homeowners insurance policy.


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?

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.


How about if you do not carry a homeowners insurance and neighbors tree falls on your roof?

If you don't have homeowners insurance you just have to remove the tree and fix the damage yourself.


Will homeowners insurance cover roof replacement?

It depends on why your roof needs replacement. Bear in mind that your property insurance policy is "Hazard and Accident Insurance", and not a home warranty or home maintenance policy.If your roof was damaged by a covered peril such as wind, hail, lightning, etc, Then your homeowners insurance would cover the cost of repair subject to your deductible of the damaged portion. It would only replace the entire roof if your policy has replacement valuation and the roof was damaged beyond the ability to repair it.If your roof is just old and has reached it's life expectancy then it is not covered under your homeowners insurance policy. That would be a normal expected maintenance expense incidental to home ownership. Composition shingle roofs for example have a rated life expectancy of about 20 to 25 years. After the roof has reached it's life expectancy it is considered to have depreciated to zero value and therefore non-insurable.


Does home insurance cover vehicle damage from roof tiles?

NO, Homeowners insurance does not cover automobiles.


Will insurance cover a leaking roof?

It depends on why your roof is leaking. If your roof was damaged by a covered peril such as fire lightning etc. Then your Homeowners insurance would cover the damage. If your roof is old and worn out, it just needs to be replaced and would not be covered by your homeowners insurance. Roofs require the home owners maintenance and upkeep along with replacement every 20 years or so. It's just part of the cost of owning a home. Failure to engage in expected normal maintenance of your home can be interpreted as a moral hazard and can result in cancellation of your homes insurance policy. If your roof is fairly new and you just have a leak with no visible damage, then it is most likely the result of faulty workmanship and again, not covered by your home insurance policy.


Are facia boards covered by house insurance?

If they are damaged by a covered cause then yes. I believe you are referring to damage caused by lack of maintenance and in that case they are not covered. It is specifically your responsibility to maintain the home and homeowners insurance is not designed to do this. If you have a fire or a tornado rips off your roof then the facia boards are covered along with other items damaged.


Does home owners insurance cover damage caused by a roof leak?

If your roof is leaking due to a loss suffered from a covered peril under your policy such as fire, wind hail etc. (see your policy for covered perils) then your roof leak as well as any resulting damage should be covered under you home insurance policy. If you roof is leaking simply because it is old and has reached or or surpassed it's life expectancy (an expected and normal home owners maintenance issue) the roof leak would not be covered.


Will homeowners insurance cover a roof?

Yes, If your roof was damaged by a covered peril on your Home Insurance Policy then you have coverage. If your roof is just old and is due for a replacement then that is part of the home owners maintenance responsibilities and is not covered under your policy. Roofs occasionally have to be replaced when they reach the end of their life expectancy much the same way you need to paint every number of years. It's just normal maintenance. Failure to maintain your home in a reasonable condition can result in cancellation or non-renewal of your Home Insurance Policy.


If a sky light leaks and causes roof and drywall damage can you file a claim?

No, Sorry. This is a maintenance issue and not a covered cause under your homeowners policy. Insurance claims must be for a covered cause and must be "sudden and accidental". Something like this happens over time and should have been corrected by maintenance.


Would homeowners insurance cover damage from a leaking gutter that damaged an enclosed porch ceiling and items on the porch?

No. Homeowners insurance is probably the best bargain in insurance by offering a great deal of coverages for a surprisingly small premium. The situation you are describing is not an insurance matter but a maintenance issue. It is not made to cover maintenance of the home but covers accidents that are "sudden and accidental". Homeowners insurance covers incidents that are caused by a covered cause such as theft, fire, lightning, windstorm, vandalism, weight of ice and snow, and many others. Things that happen over a long period of time are maintenance and are therefore not sudden or accidental and are not covered. An example would be a leaking roof caused by condensation from the A/C is not covered but if a storm caused a tree limb to fall on the roof poking a hole and causing a leak then damage would be covered.


Does it cover roof the leaks and wet the ceil in home?

It just depends on why you have a roof leak. If your roof was damaged by a covered peril such as fire lightning etc. Then your Homeowners insurance would cover the damage. If your roof is old and worn out, it just needs to be replaced and would not be covered by your homeowners insurance. Roofs require the home owners maintenance and upkeep along with replacement every 20 years or so. It's just part of the cost of owning a home. Failure to engage in expected normal maintenance of your home can be interpreted as a moral hazard and can result in cancellation of your homes insurance policy. If your roof is fairly new and you just have a leak with no visible damage, then it is most likely the result of faulty workmanship and again, not covered by your home insurance policy.


If a tree falls on your moon roof what insurance coverage do you use?

File a claim on your comprehensive auto insurance if you have it. Your homeowners insurance will not cover damage to your vehicle.


Will your entire roof be replaced when tree falls and damages only part?

No, your insurance contract specifies coverage for certain damages that result from the covered perils listed on your policy. Homeowners insurance can not provide coverage for things that are not damaged.


Is homeowners insurance or condo insurance or both responsible for leakage from the roof that has caused damage to the floors ceiling and walls?

In most cases the association is responsible for mantaining the roof and structure. It should the the association's insurance problem.


Will homeowners cover a leak from the roof that lets water into the bedroom and damages the ceiling?

If it is your house, probably not. The leak and consequent damage would be your penalty for not maintaing your roof. If your house is less than a year or two old, you may be covered by your builder's warranty. If you live in a townhouse or condo, you may be covered by the association's insurance.


Does insurance cover ice damage to the roof?

One of the basic covered causes on a homeowners policy is "weight of ice and/or snow". Also the basic coverage of "windstorm" would cover damage caused by hail.


Does Florida Homeowners Insurance without extra flood insurance cover water damage if the roof is torn off from a storm and water comes from the sky?

Yes. This is not a 'flood' situation. Flood insurance covers rising waters entering the home. The homeowners policy covers resulting water damage from a wind damaged roof.

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