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.
Not usually. Usually water damage has to be from a sudden burst of plumbing or flood or some sort. Any negligence in homeowning is a touchy subject for insurance.
If you elected "Accidental Water Discharge" coverage when you purchased your policy then yes, you should have coverage up to the specified limits for this type of loss.
No, but if the failure causes a fire or water damage, then the water and fire damage will be covered.
It is best to check with your insurer. All policies are different.
Depending on the source of the water, typically yes.
As long as the water entered above the ground surface level.
i have alot of water damage due to a leaky roof in my walls and floor can i get help
No. Your policy will only cover damages which were caused by a covered loss during the policy period.
The insurance company will cover the damage caused by the water only, e.g., drying out the ceiling and floor covering. They will then pay to repair the room; damaged walls and floors. If the skylight leaked due to hail damage or other falling objects, the insurance will pay to replace the skylight.
Signs of a leaky roof that homeowners should be aware of include water stains on the ceiling or walls, mold or mildew growth, peeling paint or wallpaper, sagging ceiling, and missing or damaged shingles.
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.
Unfortunately not. Read your policy well but more then likely not! I worked in two different insurance companies and water damage was a very big deal! The only way you could get any type of coverage was if you had flood insurance, if you lived in a flood zone, and IF FEMA declared it a flood! Sorry!