As a Cloquet, MN homeowner, it’s essential to understand the type of coverage your home insurance provides. If you’re concerned about roof collapses because of inclement weather, natural disasters, or other causes, read on for everything you need to know about roof collapse coverage and how Brittany Olson Insurance Agency LLC can help you.

What Causes a Roof Collapse? 

A roof collapse can have several causes, from snow and ice buildup to structural issues caused by aging or poor maintenance. Sometimes, a storm may cause enough wind and rain damage to cause the roof to give out. In other cases, a tree limb may fall onto the roof and create an opening that allows water inside. With all these potential causes, it’s important to understand what your home insurance policy covers.

What Is Covered by Home Insurance? 

Most home insurance policies will cover damages caused by a collapsed roof as long as neglect or lack of maintenance did not cause the collapse by the homeowner. If your roof collapses because of heavy snowfall or high winds, your insurance policy should pay for repairs up to a specific limit. However, if the collapse was caused by an issue like rot or faulty construction, it is likely not covered under your policy. So it’s essential to be aware of what type of coverage you have before disaster strikes. 

How Can I Find Out More? 

If you are looking for more information about home insurance and how it applies to roof collapses in Cloquet, MN, contact Brittany Olson Insurance Agency LLC today! We can answer your questions and provide customized quotes based on your needs. Don’t wait until disaster strikes—get informed today!