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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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Related questions

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Your garage insurance should be covered by home owners insurance or renters insurance. I am not sure you would need liability insurance in a garage though, because no one else would be hurt in there.

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If your garage doors were damaged by a covered peril as defined by your home insurance policy then the door would be covered.

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I have my contents covered on my home owners policy.

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No. Auto-Owners is the parent company of Owners Insurance, Southern-Owners Insurance, Property Owners Insurance, Home-Owners Insurance, Auto-Owners Life Insurance. They have no affliation with Utica

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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.

What are other structures in a homeowners insurance policy?

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.

Will the home owners insurance cover if my vehicle hit my garage wall?

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

Car parked in garage has a loss will it be covered under home owners or auto policy?

That depends on the nature of the loss. Contact your Insurance Agent and he will be able to advise you on coverage.

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Auto Owners Insurance Company seems to provide their customers with many different policies. They have Auto, Life, home owners, contents and renters insurance available for all budgets.

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

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Homeowners insurance will continue after an owners death. The Homeowners insurance policy will typically be paid for by the executor of the estate and become his or her responsibility.

Is content insurance just like home owners insurance?

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.

Are there any disadvantages in obtaining very cheap home owners insurance?

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.

Does Allstate insurance offer home owners insurance?

Yes, Allstate does offer home owners insurance. Use their online agent locator with your ZIP or postal code to find the closest home insurance agent near you.

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Liberty Mutual Insurance provides discounts for Volvo owners. Liberty Mutual Insurance has been providing Auto insurance for over 100 years. It is the only insurance provider that, Volvo has chosen to be a partner.

Where can one go to get comparisons on home owners insurance rates?

RBC insurance, provides homeowner with insurance rates that are reliable and accurate. They help home owners get the best insurance by helping them compare rates of homes with other homes.

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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.

Storm damage to car - can you collect from car and home owners if you have both insurances?

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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