房主保險蓋屋頂更換？
房主保險蓋屋頂更換？
 Homeowners Insurance does not cover normal wear and tear of any kind, so if the roof is just old this is not a covered peril. Should the roof be damaged by a covered peril then the roof would either be repaired or replaced minus your deductible. A covered peril may include wind, hail, falling objects, fire to name a few.
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