Home insurance is one of the most important investments you can make in your property. It not only provides financial assistance in the event of a fire or theft but also protects you from lawsuits and claims filed against you by others. For example, if a neighbor falls on your property due to negligence, your policy could cover their losses.

If you’re looking for home insurance in Senatobia, MS, our team at Storey Insurance can help build a policy that keeps all aspects of your property safe.

Home Insurance and Liability Claims

Several factors determine whether your home insurance will cover the losses of a neighbor who falls on your property. You can always contact your home insurance agent for clarification on your coverage. Here are some key points to consider:

• Insurance typically covers falls when the person has a legitimate reason to be on your property. For instance, if they are delivering a package to your home that was mistakenly sent to theirs, they are justified in being there.
• If you have warned individuals to stay off your property and posted "No Trespassing" signs, coverage may be more limited.
• The relationship of the person to your household matters. For example, insurance may not cover injuries sustained by people who live in your home.

In most cases, a fall on your property caused by a hazard is something your insurance company will help you address. To file a claim, gather as much information as possible about the incident and contact your agent. They will guide you through the process.

At Storey Insurance, our team is here to help you understand your coverage and rights. If you need home insurance in Senatobia, MS, give us a call for a quote today.

If you own a home in Senatobia, MS, you may be wondering the extent of your coverage, especially if you’re a long-term homeowner. From stoma damage to heavy rainfall, knowing how much your existing policy covers is crucial. At Storey Insurance, we specialize in providing our clients with the guidance necessary to fully protect their investment.

Does Your Home Insurance Cover Roof Leaks and Roof Damage?

In many instances, your existing home insurance policy does cover roof damage and leaks caused by storms or excessive rainfall. It’s important to note which types of damage are covered when settling on a policy.

When Roof Damage Is Covered

Roof damage is generally covered when there is:

• Wind damage
• Hail damage
• Falling debris or trees
• Storm-related water leaks

When Roof Damage Isn’t Covered

Unfortunately, there are also times when standard home insurance policies do not provide the outcome a homeowner or investor desires. Some instances where home insurance does not cover roof leaks and damage include:

• Wear and tear: When the roof has been deteriorating naturally, you may not be covered. 
• Neglect: A lack of maintenance and neglect can indicate that your claim may not be covered.
• Preexisting damage: If there is preexisting damage to your home, you may be out of luck. 
• Installation or contractor errors: If the damage was caused by poor workmanship, you may not have coverage. 

If you’re interested in protecting your roof from storm damage and leaks, we’re here to help. To learn more about your options and get a quote, contact Storey Insurance. We’re currently serving Senatobia, MS.