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It depends on what your policy says, and what caused the roof to cave in. If it caved in because it was not properly maintained, then the answer is most probably no (say for example the garage is 50 years old and the roof caved in because it just rotted away). If it caved in because it was covered with heavy snow and ice, or a storm or other act of God caused it, then it may be covered if your policy covers outbuildings or other improvements on your property. Start by talking to your insurance agent, but don't give up if they tell you it isn't covered. Read your policy. If it sounds like there is any possibility that your policy might cover it, appeal the denial of the claim and consult an attorney.

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โˆ™ 2005-11-08 21:51:39
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Q: Will home owners insurance cover a detached garage with a caved in roof that needs replacing?
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Yes.


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Since it was caused by the vehicle, the vehicle insurance should cover it. Most home owners insurance companies would probably make a claim against the auto insurance company, if they covered it.


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Other Structures typically covers detached structures such as garages, storage sheds, and fixtures attached to the land including fences, driveways, sidewalks, patios, and retaining walls. Detached structures used for business purposes are not covered under a personal home owners insurance policy.


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No,, That would be covered under your auto insurance policy. Homeowners insurance does not cover damages to street vehicles.


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Only if you had your jewelry appraised and included it onto your home owners insurance


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Content insurance differs from home owners insurance in the type of polocies offered. While home insurance concentrates on the actual home structure, content insurance concentrates on personal possesions within the home.


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There are many disadvantages in obtaining very cheap home owners insurance. The main disadvantage to obtaining very cheap home owners insurance is that it may not be reliable due to the price.


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Non owners Insurance is available in every state in the US. Just call your local insurance agent. Some insurers do not offer non owners but many will.


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Perhaps if the car and the garage were both damaged, then you would collect from both. Most likely the car insurance covers the car only and the homeowners covers just the dwelling. Check with your insurance agent.


Where can one find information on home owners insurance rates?

You can find information on home owners insurance rates online at the websites of insurance providers. You can request a quote from providers such as Statefarm and Geico from their websites.

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