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.