I'm not an insurance expert, but I can try to provide some general information. The coverage provided by your apartment insurance may vary depending on the specific policy and insurance company. Generally, apartment insurance, or renter's insurance, typically covers personal property damage or loss due to events like fire, theft, or certain natural disasters.
However, damage caused by road construction to the exterior design of your apartment might not be covered under a standard renter's insurance policy. Exterior damage is often the responsibility of the property owner or the entity responsible for the construction work. In such cases, it may be advisable to notify your apartment management or landlord about the damage and inquire about any insurance coverage they have.
To get a precise answer regarding your insurance coverage, it's best to consult your insurance policy or contact your insurance provider directly. They will be able to provide details about the coverage included in your specific policy and any applicable deductibles or exclusions.
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