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As an Oshkosh, NE homeowner, you probably wonder if your home insurance covers leaking roofs. Roofs are a significant part of any house; they can cause many problems when they leak. Not only can you face costly repairs, but the water damage can also lead to mold in your home if not taken care of quickly. Our team of insurance experts at Western Trail Insurance is here to assist you with more information.
What Home Insurance Covers
Home insurance usually covers roof repairs and replacement due to unexpected damage caused by weather or accidents such as fire or vandalism. However, it typically does not cover damages due to wear and tear or lack of maintenance. If you have an old roof that has been neglected for some time and starts leaking, your home insurance is unlikely to cover it.
Unexpected Damage Vs. Wear and Tear
It’s important to note that while most home insurance policies include roof coverage, the amount may vary depending on the type of policy you have chosen and what company it is from. Some companies may offer an additional range for certain roofs (e.g., metal or tile), while others might not provide any coverage for these materials. It is always best to check with your provider before signing up for a policy to know exactly what is covered and what isn’t.
Contact Us Today
If you need more information about whether your roof will be covered under your policy, contact Western Trail Insurance serving the greater Oshkosh, NE community Our knowledgeable agents can provide answers to all of your questions about home insurance coverage so that you can make sure you have the best policy for both yourself and your budget. Get in touch with us today!