What Homeowners Insurance Typically Covers

Homeowners policies generally cover sudden, accidental damage from covered perils such as wind and hail, while excluding wear, neglect, and gradual deterioration.

Every policy is different. Your declarations page, exclusions, and endorsements define exactly what is covered for your home.

Reviewing your policy before a storm hits means fewer surprises later. When in doubt, ask your insurer to clarify your roof coverage.