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Close History of insurance Protect Your Future: Why Getting Insurance Is Essential An Overview of the Different Types of Insurance Home What Kinds Of Claims Are Covered By Insurance? If you own a home you are probably aware that your homeowners insurance will not cover floods or fires caused by weather or human failure. It doesn’t matter if your water heater breaks or your home is flooded; your insurance will not cover it. Your home owners insurance will not cover leaks which are caused by poor maintenance
As a rule, roof leaks are usually covered by home owners insurance as long as the cause of the leak is covered by your warranty. As an exception, most roof leaks are covered only in the case of an emergency, when a leak can be quickly repaired and the cost to do so is less than ten percent of the purchase price of your home. Emergency roof leak repairs are usually done for a fee, which often includes cleaning. Be sure to check with your insurance agent before doing any home repairs, even small ones, to insu