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It depends on what caused the collapse. If the deck collapsed due to a covered peril, such as fire, wind hail, etc, then yes it is covered. If the deck is just old and in need of repair or replacement then the answer is no, as this would be considered normal expected maintenance for a home owner.
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∙ 8y ago
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∙ 14y agoMost modern home policies cover any damage to the structure unless the cause of loss has been explicitly excluded from the policy.
Damage to personal belonging is limited to named perilsonly. Collapse due to weight of precipitation is a named peril.
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∙ 7y agoHomeowners insurance specifically excludes damage done to any four wheel motorized vehicles and motorcycles. Your only coverage for such is under an auto insurance policy and you will need to have comprehensive coverage for such a claim.
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∙ 12y agoIf you have additional or other structures coverage on your home insurance policy and the deck was damaged by a covered peril such as wind, hail, lightning, etc then you should have coverage for the deck subject to your deductible.
If your deck is simply worn from the expected usual wear and tear then it is not covered as that would be an owners maintenance issue.
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∙ 16y agoMost standard policies cover the following: A dwelling is considered the main structure and anything attached to it (i.e. deck, attached garage, etc.).
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∙ 16y agoTypically, yes. You need to look in your policy under Perils Insured Against.
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∙ 13y agobe more specific - collapse by weight of ice and snow is covered for example......how did the snow damage the roof?
Wiki User
∙ 12y agoNo, Your Homeowners insurance will likely repair your home.
Your auto insurance would repair your vehicle.
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Does home insurance cover vehicle damage from roof tiles?
NO, Homeowners insurance does not cover automobiles.
Does homeowners cover water damage from a leaky roof?
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.
Does homeowners insurance cover roof damage?
Depends on what damaged the roof. They almost always cover it. Call them. If they say they don't cover it, then ask where it says that in their policy.
If a tree falls on your moon roof what insurance coverage do you use?
File a claim on your comprehensive auto insurance if you have it. Your homeowners insurance will not cover damage to your vehicle.
Does Florida Homeowners Insurance without extra flood insurance cover water damage if the roof is torn off from a storm and water comes from the sky?
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.
Will homeowners insurance cover a new roof?
Your question can be read in a couple of ways. 1. If an occurrence covered by a homeowners policy caused damage to the roof, it probably would be covered. If the occurrence that caused the damage was a type of occurrence covered by the policy, the damage would likely be covered. 2. Conversely, if the roof leaked just because it was old, insurance would not cover repair or replacement because insurance does not cover ordinary wear and tear. 3. If what you mean is whether a new roof (rather than an existing roof) is covered, the rule stated in #1 would apply.
Does Liberty Mutual Homeowners Insurance cover roof damage from a raccoon?
Check with your agent. There may be some compensation for repairs, but not for ridding your home of the raccoons.
If there is a great deal of damage done to the roof of your house and no company will finance you will your insurance company help you?
Most homeowners insurance companies do not provide mortgage financing. Any damage done to a home, such as hail, wind, fire, etc. should be covered by the homeowners insurance. If the roof is just "worn out" it is the homeowners responsibility This is considered normal and expected maintenance incidental to home ownership.
Will insurance cover a leaking roof?
It depends on why your roof is leaking. If your roof was damaged by a covered peril such as fire lightning etc. Then your Homeowners insurance would cover the damage. If your roof is old and worn out, it just needs to be replaced and would not be covered by your homeowners insurance. Roofs require the home owners maintenance and upkeep along with replacement every 20 years or so. It's just part of the cost of owning a home. Failure to engage in expected normal maintenance of your home can be interpreted as a moral hazard and can result in cancellation of your homes insurance policy. If your roof is fairly new and you just have a leak with no visible damage, then it is most likely the result of faulty workmanship and again, not covered by your home insurance policy.
Does homeowners insurance cover leak in roof?
This depends on the Terms and Conditions of the Policy, you will find these on the Policy Document itself.
Will insurance cover a hole in roof from squirrel?
Damage from animals is not a covered cause.
Is homeowners insurance or condo insurance or both responsible for leakage from the roof that has caused damage to the floors ceiling and walls?
In most cases the association is responsible for mantaining the roof and structure. It should the the association's insurance problem.
