The easiest way to know what’s covered or what’s not, is to contact your insurance provider. Coverage will often depend on the age of your roof, the area you live in, and many other factors, so it’s important to know the specifics of your policy.

Most homeowner insurance policies will provide coverage for roof damage caused by unpreventable reasons such as vandalism or fire. Disastrous “acts of God” such as hurricanes and tornadoes are also usually covered. Although wind, rain, and hail are covered by your home insurance policy, there are many factors that determine if your damage will be covered, and if so, how much you will be reimbursed. The same basics that apply to your roof, may apply to your exterior property as well. Exterior property is considered anything that is attached to the outside structure of your home, such as siding and gutters.

Although wind, rain, and hail are covered by your home insurance policy, there are many factors that determine if your damage will be covered, and if so, how much you will be reimburse

Credits: Homesite.com 

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