What Can I Claim On My Homeowners Insurance? 
It really depends on your policy and the perils or causes of loss that apply to the policy . Without knowing type of policy and or the company you are with it is hard to give you a direct answer . However a basic way to look at it is is it a maintenance issue or was damage caused by something like hail or a burglary . i wish I was able to better answer your question but there are so many different policies out there I would be guessintoast your particular situation . if you are getting quotes ask the agent your questions if you currently own a policy get an appointment to sit down with your agent and go over the policy . 