My insurance company won’t pay for roof repairs, yet it will pay to replace the water-damaged furnishings. Why?
It sounds as though the roof leak itself wasn’t covered by the policy, yet the damage resulting from the leak was. This tends to happen when a roof leak is due to a home maintenance issue rather than an unexpected event. For example, if your roof is over 40 years old and is simply past its prime, your insurance won’t pay for a roof replacement as that’s a home maintenance issue. However, it may cover the water damage that results from a roof leak.
