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A leaking roof is considered a maintenance issue. This means that damage is not coverage on any property insurance policy. If, a storm occurred , causing a tree to fall through your roof while it was raining, that would be covered including the damage due to water, the tree, contents, etc. The key to insurance covered incidents is that they must be sudden, accidental, and not predictable. A leaking roof happens over time and should be taken care of by the property owner. Neglect of maintenance is not a covered item. Sorry.

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9y ago

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