比如大风，水灾，等等。而不是保维修，换房顶是维修的一部分。我家屋顶几十年了，wear and tear, 太旧了必须换。换房顶花了1万多，想都没想要保险公司出钱，就自己掏了。也许我们错了？
上网查了一下，我的理解没错。
A typical all-perils homeowners insurance policy does cover your roof and the cost of replacing it if it gets damaged. That's the good news. But usually, you're covered only if the damage or destruction results from a sudden accident or act of nature. Problems that ensue from general wear and tear or from a roof that has exceeded its intended life span are not eligible for reimbursement because they fall under the general maintenance responsibility of the homeowner.
不懂为什么这里很多人都认为保险公司应该付换房顶的钱呢？
