Agent, Rural Mutual Insurance Co., Union Grove, WI
If the roof damage is caused by a covered loss, then the roof damage typically would be covered minus your deductible. Most insurance carriers are writing homeowners policies with a percentage deductible for roof damage now. This percentage is a percent of the total dwelling amount covered under the policy. Please read your policy completely to understand the coverage offered and any exclusions it may have or contact your local agent to have them go over the policy with you.
Agent/Agency Owner, Encore Insurance Group of Omaha, Omaha, NE
It depends on your policy, your perils (cause of the loss) and if your policy is in effect at the time of the loss. I know that sounds like a bland insurance answer but you first need to know if the policy is active, if it is then what actually causes the damage. Then you have to know or have an agent that can explain to you it it is a covered loss and if not explain why in thier opinion. Agents do not make decisions on claims that is up to the adjusters and the company but they should know what policy they wrote for you. Most agents will refer you to claims so they can have an adjuster come and take a look but depending on the type of claim it could have rate ramifications for you down the road.
The issue is maintenance the home owner could or should have done or is it a loss your policy covers. For example if I have rotten decking under the shingles in most cases that is a maintenance issue and would not be covered even on the best policies, but a hailstorm damaging my home would be.
I recommend calling your agent to speak with them about your concerns and if they try to jump you to claims quickly stand firm and have them answer your question. If you do not have an agent or agency you trust find one and get a review of your policies to pake sure they meet your needs.
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The issue is maintenance the home owner could or should have done or is it a loss your policy covers. For example if I have rotten decking under the shingles in most cases that is a maintenance issue and would not be covered even on the best policies, but a hailstorm damaging my home would be.
I recommend calling your agent to speak with them about your concerns and if they try to jump you to claims quickly stand firm and have them answer your question. If you do not have an agent or agency you trust find one and get a review of your policies to pake sure they meet your needs.