CoverClaro / Coverage guide
Roof & Structure
Understand how roof & structure questions can depend on policy language, the cause of a loss, and the facts of your situation.
Quick guide to these questions
| Situation | Possible outcome | Why |
|---|---|---|
| Foundation repair | Usually no | Unless a covered peril caused it, like a burst pipe under the slab or a car hitting the house. |
| Old roof and insurance | It depends | Storm damage often is, but older roofs may only get the depreciated value. |
| Hail damage roof | Usually yes | Hail is a covered peril, but wind/hail deductibles and cosmetic exclusions can shrink the check. |
Published guides
Foundation repair× Usually no
Old roof and insurance? It depends
Hail damage roof✓ Usually yes