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.
If the leak was the result of the age of the roof, or nomal wear and tear, no. However, if the leak resulted from a covered cause of loss (such as a large object hitting the roof and causing a hole, it probably would. However, in the latter case, the homeowner would have an obligation to guard against additional damage to minimize the damage.
NO, Homeowners insurance does not cover automobiles.
Sure, if the roof falls on it, or there's a fire. But it won't cover anything that happens on the road. Check in with your insurance agent. Most homeowner policies exclude damage of any kind to automobiles.
Damage from animals is not a covered cause.
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.
It should but you need to specify which insurance you have.
They would cover it if the damage occured during the policy period. The damage would have to be sudden and accidental damage, not wear and tear.
Your roof is covered by your insurance because the damage was caused a natural disaster, which was unpreventable. If your roof had damage due to anything other than an unpreventable act, the insurance would not cover it.
For the most part, only if the mold is a result of a roof leak or major storm damage. If you live in a flood plain, you can purchase an additional insurance policy specifically for flood damage that would cover mold removal from floodwaters. If the mold is due to plumbing problems, neglect or other issues, your home owner insurance policy will probably not cover it.
Most policies do not cover rodent damages.
No, renters insurance is coverage specific to property that belongs to the named insured.If it's a rental property then the property owners insurance would cover storm damage to the roof. If it's just worn out then that would be an owners maintenance issue.