Does homeowners insurance cover that? The common questions.

Most 'does it cover…' answers come down to one test: was the damage sudden and accidental, or gradual wear / a maintenance issue? The former is usually covered; the latter usually isn't. Here are the ones homeowners ask most.

Roof damage

Depends. Sudden damage from a covered peril — a storm, hail, a fallen tree — is covered. A roof that simply wore out with age is not (that's maintenance). Note: many insurers now pay actual cash value (depreciated) on older roofs rather than full replacement, so check your roof settlement terms.

Water damage

Sudden, internal water — a burst pipe, an overflowing washer, a leak from a covered roof breach — is covered. Flood (rising water from outside) is not — that's a separate policy. Sewer/drain backup needs a water-backup endorsement. Slow, long-term leaks you should have caught are treated as maintenance and excluded.

Mold

Limited. If mold results from a covered water loss (a burst pipe), remediation is usually covered up to a sublimit ($1,000–$10,000 typically). Mold from ongoing humidity or a neglected leak is not.

A fallen tree

Usually yes. If a tree hits your house, garage, or fence, dwelling/other-structures coverage handles the damage and removal (up to a limit). A tree that falls and hits nothing is often only removed if it blocks a driveway or ramp.

Your dog (and dog bites)

Usually, under personal liability — but many insurers exclude certain breeds or a dog with a bite history. Disclose your pet; an undisclosed dog can void the claim.

Theft and foundation

Theft of belongings is covered (subject to deductible and sublimits). Foundation cracks from settling, soil movement, or earthquake are generally not covered — only if caused by a specific covered peril like a burst pipe.

Frequently asked questions