Your Homeowners Policy and Roof Damage
The idea of having “a roof over your head” is comforting precisely because roofs are so important. And you may feel reassured that your homeowners insurance policy will cover you in the event your roof is damaged due to hail, a downed tree or another catastrophe. But it’s important to understand that many common causes of roof damage are not covered by standard homeowners policies – or are covered only if you have a special endorsement.
It's important to understand that a standard auto insurance policy covers only specific types of damage and liability, and your state's required coverage limits may be insufficient to protect you in the event of a serious accident.
Today’s family farms face a number of challenges: protecting income and viability, insuring property and crops, and perpetuating the family business through succession planning.