What You Can Expect from Your Homeowners’ Insurance.

In most cases, the home is the biggest investment most people will ever make, and it is extremely important to protect that investment by purchasing homeowner’s insurance.  An insurance policy that will provide funds to rebuild, repair, and replace is absolutely necessary not only as regards the physical condition of the building, but also for your own peace of mind.  None of us have a crystal ball that will let us know when, or if, disaster of one kind or another will strike, but insurance is what will help get life and home back to normal if trouble does arrive unexpectedly. In some cases, coverage will be denied if the roof needs repair or replacement.

What Homeowners’ Insurance Does for You

Homeowners’ insurance will cover a range of damage that may occur to your home, and can also provide liability protection should anyone be injured on your property.  In most cases, you will not be able to obtain a mortgage for your home unless you have proof of an insurance policy.  The typical homeowners’ policy will cover:

·      *  Fire damage

·      *   Flood damage

·        Burglary losses

·      *   Replacement of household goods

·        Temporary lodging expenses

·       *  Liability coverage for personal injury

In most cases, if you own valuable art or jewelry, you will have to insure these separately and provide professional estimates of worth, along with photographs of the items.  Homeowners’ insurance is absolutely necessary to protect you for unexpected events that can deprive you of your housing and other possessions.  

Your Roof and Homeowners’ Insurance

Keeping up on roof repair is important in any case, but it will also be a critical factor in claims against your homeowners’ insurance policy. You policy will never pay for leaks or damage caused by roofing that has not been kept up, and you might even find your agent balking at paying for even accidental storm damage that has occurred because your roof may have not been in good condition to begin with.

In order to make certain that your insurer will never refuse to pay for a claim on accidental harm, keeping your roof in excellent repair should be a number one issue with you. While you will be able to make a cursory check yourself, it’s always best to schedule an in-depth professional inspection at least once a year. Roof repair will be considerably less costly if problems are detected and repaired while still small.

Homeowners’ insurance will provide coverage for damage to your roof that has been caused by a tree falling on it, or if it is damaged by fire.  Although insurance will not simply pay you to have your failing roof replaced or repaired, it will usually pay for water damage that occurs below in the living quarters of the home. Homeowners’ insurance will generally provide payment for repairs or replacement for the following from water damage:

·       *    Furniture

·       *   Carpets and rugs

·       *   Electrical systems

·       *   Computers and appliances

·       *   Ceilings

Homeowners’ insurance is a good way to provide protection for your home and belongings.  However, keep in mind that it cannot be considered to be a substitute for normal roof repair, and a roof that was demonstrably failing can cause problems with claims. A well-maintained roof is just as important as an insurance policy.

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