My roof had several rooms where it began leaking during/after a thunderstorm w/rain,the floors,ceilings and personal items were damaged, am I covered?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Oct 14, 2015
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Columbia, SC
Asked on 10/14/2015
My roof had several rooms where it began leaking during/after a thunderstorm w/rain,the floors,ceilings and personal items were damaged, am I covered? I'm concerned that my insurance company will try to wiggle out of paying for this (my first, ever claim in 13 years of home ownership),b/c after this massive storm,my STATE was declared a Nat'l Disaster Area due to major flooding where FEMA got involved.Although,I had NO flooding,the water that came through my roof,onto my ceiling(in 4 rooms)caused my floors to buckle and damaged many personal items and some electronics, furniture(i.e. mattress, computer,etc.)I realize i'm not covered for FLOOD,but I worry that somehow they'll try to say my damages are from FLOOD¬ roof related,please ADVISE
Answer given on October 21, 2015
If your roof leaked due to a large storm, the damage to the interior of your home will be covered, less your deductible. If the roof was damaged due to winds, it too will be covered, but the insurance company may depreciate the cost of repair to the roof, depending upon its age. If it was not damaged, and just leaked they can deny the claim to the roof.It is actually in your favor that the area was declared a disaster area. This means the insurance company cannot raise your rates for this claim due to it being a disaster. If not, they can increase your rates for the claim.Flood damage would not be a concern since the damage to your home and interior are from above. Flood damage is from the ground, where there is inundation to the point of rising water damaging the home. The insurance company understands the difference and will handle the claim accordingly.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.