Home insurance usually covers a wide range of home repairs, primarily those caused by accidents or unforeseen circumstances. The incident coverage varies according to the homeowner’s policy, and some repairs may not be covered under your plan. Always check with your local, licensed insurance expert for specific coverage details. The following is a list of the most common home repairs typical homeowners insurance policies:
1 – Roof Repair and Replacement
The number one cause of roofing damage homeowner’s insurance claims is from storms. Typical damage that might occur is structural damage from falling trees and limbs, shingles ripped off of the roof by high winds, and water damage caused by damage to the roof allowing it in.
Your home insurance policy does not cover roof damage due to routine wear and tear or poor maintenance.
2 – Storm Damage Repairs
Other storm damage occurs from many sources. Your home insurance policy primarily covers damage caused by hail, high winds, torrential rain, lightning strikes, tornados, and hurricanes.
Some examples of storm damage covered by your homeowner’s policy:
- Damage to your roof, siding, gutters, or exterior fixtures due to hail, falling trees, or branches
- Electrical system damage from lightning strikes, such as home wiring, appliances, etc.
- Damage caused by flying debris during a windstorm
Earthquakes and flooding are usually not covered by standard homeowner’s insurance and require separate riders or coverage.
3 – Fire and Smoke Damage Repairs
Typical home insurance policies cover structural and system damage to the building itself and the personal belongings within the home due to accidental smoke, fire, and materials used to extinguish the fire.
Your policy does not cover damage caused by the intentional setting of a fire or general negligence.
4 – Accidental Damage Repairs
The types of accidental damage covered by your home insurance policy have many different causes and sources, such as:
- Broken glass in doors and windows caused by accidents
- Water damage from burst or frozen pipes or plumbing component failure to floors, walls, and basements
- Mold growth (if caused by the water damage sources listed above)
A few examples of damage not considered to be accidental that is not covered by standard homeowners insurance include:
- Damage caused by improper installation or wear and tear
- Water damage from flooding (unless you have separate flood insurance or the flooding damage is due to a catastrophic plumbing failure
- Water damage from slow leaks or poor maintenance
- Mold that grows because of poor ventilation or general humidity over a long period
- Electrical damage due to an outdated wiring system
5 – Damage Caused by Theft or Vandalism
Your homeowner’s insurance will cover damage to doors, windows, and the home’s exterior and outbuildings (such as a detached garage) due to theft or vandalism.
However, damage caused by family members or roommates living in the home is not covered.
Conclusion
Repairs due to these incidents are usually covered by a standard home insurance policy. Still, you must review your homeowner’s policy with an insurance professional to understand the exclusions, deductibles, and limits to ensure adequate coverage.
Meet the Mizrahi and Garris Insurance Agency – Jacksonville’s Home Insurance Experts
Are you looking for a Jacksonville insurance agency that partners with you to ensure your home has the perfect coverage? Then look no further. Connect with us for a free, no-obligation quote. We’ll help you find a protection plan perfectly customized to your needs. Give us a call at (904) 262-9202 or click “Free Quote” to talk to a homeowner’s insurance expert today.