Home Repairs That Might Be Covered By Your Insurance
Home Repairs
Accidents and unexpected events can happen at any moment. Because of this, you should always have home insurance coverage.
When you purchase your home, you will need to immediately get home insurance and make sure you choose the right policy that offers all the coverage you might need in the future.
If you have adequate insurance coverage, the following are some repairs you won’t need to worry about.
Roof Damage
Roof damage can occur from heavy rain or windstorms. If you live in an area that experiences large storms from time to time, you will want to make sure your insurance covers your roof repairs.
You can use your insurance to cover the cost of replacement shingles or even a complete replacement in some areas.
Find a company in your area that can handle insurance claim roof repair.
They will need to come to your home and give you an estimate for the repairs, they will then file a claim for you so your insurance company can cover the costs.
Detached Garage or Shed Damage
Even though it’s not technically part of your actual home, many home insurance policies cover detached garages or sheds.
If damage occurs to either of those through storms, fires, or other accidents, you can get compensation for repairs.
Meteorite Damage
You might not have realized it, but insurance can cover meteorite damage.
Though extremely rare, meteorites can fall at any moment, causing damage to your home.
If you want to have as much coverage as possible for your home, make sure your insurance policy includes meteorite damage.
It will cover expensive repairs your roof might need due to a meteorite striking it.
Fire Damage
Fires can occur in anyone’s home at any time, though they might be more common in older homes.
If your home has an old electrical system, you might be at higher risk. Fires can cause serious smoke damage inside of your home.
However, if your insurance covers fire repairs, you won’t need to worry about financing it.
Your insurance might also cover any costs related to replacing items that were damaged in your home fire.
For example, if you need new appliances and furniture, you can get compensation.
Earthquake Damage
Earthquakes can cause damage to your roof, foundation, and landscaping.
If you have earthquake damage coverage, then it can cover all the costs associated with these various repairs.
Earthquake damage can potentially become the most costly, so it’s important to include it in your policy.
If your home is in need of repairs, make sure you consult with your insurance company before paying for them.
You want to double check to see if your repairs are covered by your current policy before moving forward.
Also, check with your insurance agent to make sure you are always aware of what repairs your policy includes.
Make adjustments to your policy as necessary. Doing this will help you protect your finances and home.
Category: Home Repair
