Home Repair

Yes, homeowners insurance covers functional wind and hail damage to your siding, as long as wind and hail are not excluded from your policy. In most cases, cosmetic damage claims are not covered.

Wear and tear are excluded from standard homeowners insurance coverages. Homeowners is supposed to be the one responsible for maintaining the house and the property in a well-functioning order.

The ductwork in your home is connected to your HVAC system and is essential for controlling the temperature throughout your home. But, does home insurance cover your ducts if they are damaged? When you have a homeowners insurance policy, your ductwork is covered if it is damaged due to a covered peril. These perils include ... Read more

The walls in your home provide structure to the entire dwelling. If one of your walls has significant cracks you need to make sure that your home insurance policy is able to cover damages because getting these repairs done quickly is essential. As long as your walls are not cracking due to wear and tear, ... Read more

Your gutters play an important role in keeping your home safe. Even when you have home insurance, clearing out your gutters and ensuring there are no blockages is essential. Home insurance does cover damage to your gutters, as long as it is not seen as preventable damage. This is why maintaining your gutters is a ... Read more

Understanding what your homeowners insurance policy does and doesn’t cover can seem complicated, especially when evaluating what kinds of damage to the home fit an insurance company’s definition of “structural” damage.  If you have a cracked bathtub you’re hoping you can make an insurance claim to repair it, unfortunately, this will most likely have to ... Read more

Homes are susceptible to many different perils. These perils can be frustrating and devastating. Sometimes, these unthinkable situations are minor, like an appliance backup. Other times they can be severe such as a ceiling collapse. When these horrors hit, you may wonder, does your insurance cover ceiling collapse? Ceiling collapse that is caused by a ... Read more

If you are buying or selling a house, there are many things to look over and analyze. The yard, the foundation, the siding, electrical, plumbing, you name it. These are all things that could potentially make, or break a sale. Entire books have been written on this subject. The purpose of this article is to ... Read more

Considering how unfortunately common leaking windows can be, it begs the question: does homeowners insurance cover leaking windows? The answer isn’t as straightforward as you may have hoped. Generally, if the window glass is leaking due to being broken by “sudden and accidental” circumstances, your insurance will likely cover the damage in. If your window frames ... Read more