Claims questions can be tricky because they depend on not only what caused the damage but the type of homeowners policy you have. For example, if your have a HO-2, HO-3, HO-4, HO-5, or HO-6 policy. Broken down below are the coverage options that are provided within these types of policies:
- HO-2 – Designates a “basic form” homeowners insurance policy that provides coverage on a “named-peril” basis. “Named-peril” means that your home and personal property are covered against losses that are expressly listed on your policy. Any loss that occurs outside of that list would not be covered by the policy.
- HO-3 – Designates a “broad form” homeowners insurance policy that provides coverage for the structure of your home on an “open-peril” basis. “Open-peril” means that you are covered against all losses except those that are expressly excluded on your policy. It’s important to note that your personal property is still covered on a “named-peril” basis with an HO-3 policy.
- HO-4 – Simply speaking, this policy type describes a renters insurance policy.
- HO-5 – Designates a “comprehensive form” homeowners insurance policy. This policy type covers both your home and personal property on an “open-peril” basis. This is the broadest form of homeowners insurance available.
- HO-6 – Designates a condo insurance policy. These policies generally cover your personal property and the structure of your condo from the wall studs in.
After you determine what your policy covers you from, you need to figure out what caused your roof to collapse. If it was something you're covered from, as outlined by your specific policy, you should be covered. However, my best recommendation is simply to contact your insurance company's claims department and start the claims process. Best of luck!