Homeowners Insurance

My roof has developed an issue over this past winter. Is this covered?

Sorry to hear about the issue. Hopefully, you can get it fixed quickly.

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Homeowners Insurance

Can my insurance company replace part of my roof with shingles that don't match?

Insurance companies (depending on your policy and whether you have replacement cost value coverage) are obligated to bring your property back to its previous state, but no better. This, in theory, means that it should be no worse as well.

Homeowners Insurance

Can a homeowners claim be removed if there was no payout

No, because there was still a claim filed with the insurance company, they just didn't pay out for the claim. They had to pay for the claims adjuster to evaluate the damage.

Homeowners Insurance

Will homeowners insurance cover a tree falling on my house when I cut it down?

It's very likely that you will be covered, assuming that your homeowners insurance policy is active and in good standing. Each insurance company has different stipulations depending on whether you have a named-peril or open-peril insurance policy, so you'll need to contact your company to get the final word on how your policy would apply to this type of loss.

Homeowners Insurance

Who is responsible for covering damage caused by a tree falling from my yard after a hurricane?

Assuming your homeowners insurance policy is up-to-date, you would need to file a claim with your insurance provider since the tree was on your property. The liability coverage on your homeowners policy should also cover the damage caused to your neighbor's home.

Homeowners Insurance

Will my homeowners insurance cover damage caused by a hurricane?

The majority of homeowners insurance policies do not provide coverage for flood damage. Unless your insurance policy provides coverage specifically against floods, you would have to have flood insurance through FEMA or the NFIP.
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