Get DirectionsWhen heavy rains and storms hit Northeast Ohio, roof damage can become a serious concern. For condo owners, it is not always easy to know when insurance will cover the damage. Depending on your policy, certain losses may be included.
At Meiners Insurance, we help condo owners secure reliable coverage in Avon Lake, OH. Contact us if you need guidance on your policy.
When Condo Insurance Covers Roof Leaks
Condo insurance may cover damage to the interior of your unit and your personal belongings when a roof leak is caused by a sudden and accidental event. However, condo insurance typically does not cover roof repairs. Roof repairs are typically covered by the homeowners’ association through the master policy.
If the leak damages your walls, flooring, cabinets, or personal property, your condo insurance may help with those costs. Coverage usually applies only when the damage is caused by a covered event, such as storm damage. Insurance does not cover losses caused by normal aging or poor maintenance. In those cases, you may need to file a claim with the homeowners’ association for structural repairs.
What Steps to Take After a Roof Leak
If you believe your condo insurance may cover the damage, contact your insurance agent to begin the claims process. If your current policy does not provide the protection you expected, this may be a good time to review and update your coverage.
At Meiners Insurance, our independent agents can help you choose the right policy for your home. If you need condo insurance in Avon Lake, OH, give us a call today for assistance and a free quote.
