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It doesn’t take a lot for a roof to start leaking. One loose shingle can blow away in a storm, allowing water to slowly leak down into the attic and cause mold, ultimately ruining personal belongings. Will flood insurance cover the damages to your Magnolia, TX home?
Flood Insurance Coverage
Unfortunately, no, flood insurance will not cover water damage from a leaking roof. It’s designed to cover damage from rising water. For example, if heavy rainfall makes the river level rise, it can lead to a flood. Water damage from a leaking roof typically does not qualify for coverage.
Homeowners Coverage
Your homeowners policy may still provide coverage for the damage, though. However, it depends on why the roof is leaking. For example, if a covered peril caused the shingle to blow away, you might be covered. Discuss your situation with an agent at the Christian Insurance Agency to determine whether you’re covered.
Policy Exclusions
Every policy has exclusions. One of the most common exclusions is normal wear and tear. If the roof has deteriorated over time or there is evidence that the homeowner didn’t repair the roof, resulting in damage, the claim will be denied.
Some policies exclude certain natural disasters, such as tornadoes or hurricanes. Many also exclude floods, which is why most homeowners need flood insurance.
Even if your flood policy won’t cover damages, you may have other options. Experienced agents at the Christian Insurance Agency will listen carefully to the details of your situation. We’ll review your policy to see if there’s anything we can do. Contact us today to learn more about your options. We’re currently serving the Magnolia, TX area.