Homeowners insurance in New York covers roof replacement when the damage is sudden and accidental, like wind, hail, or a tree brought down by a nor’easter. It does not cover a roof that simply wore out with age. How much you collect also depends on whether your policy pays replacement cost or actual cash value. […]
Category Archives: Insurance claims
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Apr
Apr
When ice dam damage appears, most homeowners assume their insurance will cover it. Winter storms are acts of God, after all. But claim denials arrive more often than approvals, leaving homeowners confused and frustrated. The difference between a paid claim and a denial often comes down to documentation and how the damage gets classified. This […]