Why are some Katrina victims with roof damage and HO3 replacement cost policies being paid for generators and whole roof replacements while others are not?

Answer 1

An HO3 policy typically includes cost of replacement. However, that does not mean that the entire roof will be replaced just because there is a damaged part.

An HO3 policy will cover the cost of repairs up to full replacement of the entire roof if it is unrepairable. If the roof can be repaired then that's what the company will do.

AnswerThe coverage depends on the insurance policy that is purchased. All HO3's are not equal. This should be discussed with the local insurance agent. AnswerInsurance claims are negotiations and each home owner and adjuster does not negotiate equally. It's up to the homeowner to get educated on their rights and demand coverage based on those rights.