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The calculation also incorporates weighted averages reflecting the distribution of one-story versus two-story homes across the United States. Contact your insurance agent to review your policy and confirm what is covered. They can guide you through the claims process, explain your deductible and provide insight into any potential limitations or exclusions. Be sure to document the damage with photos and notes to support your insurance claim. According to Progressive Insurance, dwelling coverage can also contribute to damage caused by leaks.

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