It depends on the specific coverage and terms of your apartment insurance policy. Typically, apartment insurance, also known as renters insurance, provides coverage for personal belongings and liability protection, but may not extend to damages to the structure of the building itself.
If the damages were caused by a covered peril such as a fire, windstorm, or vandalism, your apartment insurance policy might include coverage for repairs to the roof or exterior walls. However, it's essential to review your policy documents or contact your insurance provider to understand the exact coverage and any limitations or exclusions that may apply.
In some cases, the building owner's insurance policy may be responsible for repairing damages to the structure. If the damages were caused by negligence or actions of a neighbor or third party, their liability insurance might also come into play.
To ensure proper protection, it's advisable to discuss your specific situation and insurance needs with your insurance provider.
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