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Answered 2008-04-17 06:17:25

It depends. If you put on a metal roof where you had shingles before and you live in a high hail damage area, the premiums may go up. Typically a new roof will only help, but will not drop the premiums anywhere near the cost of the roof.

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

NO, Homeowners insurance does not cover automobiles.

Yes, but the premiums are through the roof.

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

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

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.

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

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.

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.

Depends on what damaged the roof. They almost always cover it. Call them. If they say they don't cover it, then ask where it says that in their policy.

This depends on the Terms and Conditions of the Policy, you will find these on the Policy Document itself.

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.

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.

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.

A call to your insurance company describing why the shingles were lost will answer your question.

No,, homeowners insurance does not cover normal maintenance costs nor damages that result from lack of maintenance.

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.

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

It depends on what coverage you bought and who was working on the roof. Talk with your insurance agent for help determining coverage purchased.

In the case of disaster like tornados and hurricanes you should start by calling your homeowners insurance provider. They should have all the info about roof replacement and cost.

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.

They can be sued by the other driver for damamges (if at fault). If not at fault, they may have a very difficult time getting insurance in the future and when they do, the premiums will be through the 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.

Depends if it is (1)your roof and your car, (2)your neighbors roof and your car, or (3)your roof and your neighbors car. 1 - You can't sue yourself so your homeowner's liability is out of the question, if you have comprehensive coverage on your car it will be subject to that deductible and your car insurance will pay. 2 - Your neighbors homeowner's liability coverage will pay for the damage to your car. 3 - Your homeowner's liability coverage will pay for damage to their vehicle. 2 or 3 you may want to get an estimate on how much it will cost to fix your vehicle, having a homeowners claim can seriously impact your ability to qualify for competitive homeowners insurance rates and you should only file claims against your homeowners if it is truly necessary. I would say if the cost to repair the car is under $2500 you should work out an agreement with to pay out of pocket instead of through homeowners, unless you can get a gaurantee in writing from the homeowners insurance saying your rates will not go up due to the claim. Good luck.

Only your insurance agent can tell you. I would think not. It's like getting an oil leak on your car. You pay for that. If the leaf is the result of something falling on your roof I believe that would be an insurance issue.

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