Quote:
Originally Posted by margaretmattson
I would highly recommend your insurance covers the roof. If lightening or a hurricane damages your roof then destroys more of your home, Sorry! not covered would be their response. Talk about those ramifications with your agent before buying the policy. Insist he/she puts it in writing if they say you are covered without roof insurance. My agent told me if the damage was caused initially with the roof any other damage would not be covered. Always ask questions before buying.
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I was in the business and would question what your agent said. Almost all homeowners policies are known as all risk coverage. They provide coverage for everything except certain situations like war, wear and tear etc. If wind damages a roof or if something hits the roof the roof is covered and the damages inside are covered. Do not know of any policy which would not provide coverage for something like a roof. Policies will not pay for a roof if it wears out.