

Homeowners insurance usually covers a roof leak when a sudden, covered event such as wind, hail or a falling object causes the opening, and usually does not cover leaks caused by age, wear or poor maintenance. Wind and hail accounted for 42.5% of U.S. homeowners insurance claims in 2023, while water damage and freezing accounted…
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You come home after a central Ohio storm and find scattered shingles in the yard, a dented downspout, and water staining near an upstairs ceiling. Your first instinct is to call the nearest roofer and get the damage fixed before the next rain. That instinct can create problems if nobody documents the original condition or…

A hailstorm can leave a Columbus-area homeowner with a roof that looks mostly normal from the driveway, a ceiling stain that wasn't there yesterday, and an insurance estimate that doesn't cover what the contractor finds. The difficult part usually isn't opening the claim. It's proving, clearly and in order, what happened, which roof surfaces were…
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