You may or may not get the coverage. There is no fixed rule for this as this varies between companies. Inform your agent about the issues related to all 4 components to get a precise quote. Some companies may partially insure your home excluding the components where the problems persist. You may need to pay more or face difficulties in getting insurance coverage for your home if the components of your home have serious problems. Consult with your insurance agent as he can be your best guide in this situation.