When assessing whether or not a damaged, leaking, roof will be covered under a homeowner’s insurance policy there are several factors that the insurance company will consider. Some of the most important factors are the origin of the damage, the specific policy the homeowner has and whether the damage was the result of a sudden incident or gradual damage due to poor maintenance of the home. Under most policies damage caused by sudden accidents is covered while gradual damage is not. There are certain circumstances under which a leaky roof that has been gradually damaged can still be covered under a sudden accident inclusion. Some things that most people take into consideration before making a claim for a damaged or leaky roof are the total cost of the repair versus the amount of their deductible and the possibility of increased rates in the future. When facing a confusing or disputed claim it may help to talk to an independent insurance expert.
Fire Damage, Smoke Damage, Property Damage, Wildfire, Replacement Cost, Actual Cash Value
Flood Damage, Overland Flood, Overland Water, Basement Flood Damage, Water Damage
Roof Leak Damage, Roof Damage, Roof Shingle Damage, Property Damage Claims
Water Damage, Burst Pipe, Plumbing and Service Line Damage, Sewer backup, Overflow, Accidental Discharge
Lightning Damage, Physical damage, Secondary Effect Damage, Electromagnetic Effect Damage, Changes in Ground Reference Potential
Landslide, Mudslide and Snow Slide (Avalanche) Damage, Erosion, Weather Damage, Earthquakes
Sinkhole Damage Claims, Natural Sinkholes, Man-Made Sinkholes, Water Main Break, Ground Collapse
Business Interruption, Loss of Income, Business Income Insurance, Business Insurance Claims
Making another type of insurance claim? We can still help you get a better offer!