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Would You be Covered if Santa’s Sleigh Damaged Your Roof?

Have you ever thought of the possibility that Santa’s sleigh might cause damage to your roof? It’s hypothetical of course (or is it?), but if a large sleigh filled with gifts and a crew of flying reindeer landed on your roof, it’s hard to believe they wouldn’t ever leave behind some damage. So, if some tiles were damaged – or worse, you have a Santa’s sleigh-shaped hole in your roof – what would you do?

Would Home Insurance Cover It? Maybe.

Homeowner’s insurance generally covers any damages caused by sudden and accidental events. This includes damages from storms, fires, theft, vandalism, accidents, and more. The key here is that the incident must be sudden and accidental. So, what does this mean for Santa’s sleigh? Well, if it suddenly crashes into your roof and causes damage then it would likely be covered by your homeowner’s insurance policy.

It is important to note, however, that most policies have exclusions for any kind of intentional or expected damage. That means if Santa was aware of the potential for his sleigh to crash into your home but decided to risk it anyway then your insurer may not cover the damage costs as they are expecting him to take reasonable precautions when travelling around homes on Christmas Eve! In addition, some policies also exclude all kinds of “acts of god” type events so in that case even if Santa was unaware of the potential for crashing into your home your insurer could still choose not to cover the costs associated with repairing the damages.

How Can You Protect Yourself?

The best way to protect yourself against any unexpected events like this is to make sure you have adequate coverage in place with a reliable insurer who will provide prompt service when needed. Make sure you are familiar with all of the exclusions listed in your policy so that there are no surprises should something happen. Additionally, always keep detailed records including photos and video footage just in case you need them down the line (Plus, we want to see the sleigh!).

Lastly don’t forget about preventive maintenance – if there are any issues with your roof make sure they get fixed before Christmas rolls around; after all it wouldn’t hurt for us all to do our part in helping out old Saint Nick!

Contact Brandon Patterson at 865.453.1414 or email and let us help you plan for any unexpected events.