Quote:
Originally Posted by kkingston57
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.
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I'm almost certain that you are correct. I've never been an insurance agent, but I've read my policies pretty closely and talked with insurance agents.
It doesn't make any sense to think that if your roof got destroyed by a covered event such as fire, windstorm, or the like that the rest of the damage to the interior would NOT be covered by insurance. Someone just didn't understand what they were being told.