Does homeowners insurance cover water damage from rain? Call The Shelley Group, Inc. if you need help with your water damage claim.

Does homeowners insurance cover water damage from rain? It varies based on how the rainwater enters the home. In instances of sudden, unforeseen events like windstorms, homeowners insurance will probably cover some of the water damage. Conversely, if the damage is caused by homeowner negligence, such as failing to fix a leaky roof, homeowners insurance will not cover the damage.

When you need someone to act on your behalf for insurance claims, call The Shelley Group. We are here to help you.

Regarding water damage, a homeowners insurance policy might cover water damage to the home's structure or the owner's personal belongings, depending on the nature and cause of the damage. A crucial factor in determining if a homeowner's rainwater insurance claim will be approved is how the water enters the home. If water enters due to a sudden and unexpected event, a homeowners insurance policy might cover the damages. For instance, if a severe thunderstorm causes a tree limb to crash onto the roof, leading to damage and subsequent rainwater leakage, the policy would likely cover the water damage, assuming the roof was in good condition before the storm, minus the deductible. This can differ among various types of homeowners insurance since some policies cover more risks than others.

The Shelley Group, Inc. will assess the damage to your home or business property to help determine the scope of repairs and estimate the replacement value for those repairs.

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