Leaking Roof Covered By Home Insurance

Your homeowners insurance policy generally covers roof leaks and other damages to your roof as long as the cause of the damage is not specifically excluded by your policy.

Leaking roof covered by home insurance.

If the damage was caused by an unavoidable event you re usually covered. If there s a wind storm that comes through and blows some shingles off or if a heavy snow storm damages your roof insurance will likely cover the cost. In general if a storm has damaged your roof you d expect to see signs of damage to the exterior like lots of missing tiles. In reality we can answer this question with a yes or it depends.

Even though the rains triggered it the insurance company might claim that s a general wear and tear problem reflecting your roof s gradual deterioration which is never covered. You won t be covered if damage is a result of neglect. Homeowners insurance doesn t cover any. However if a leak occurs due to a lack of maintenance you may have to pay for the repairs yourself.

There are some exceptions to these general principles. In many cases roof repairs are covered by home insurance. They will want absolute proof that storm damage is the cause of the roof leak to determine this insurance company will send out its own adjuster someone that works for the insurance company. However your insurance provider also needs to consider the reason behind the leak.

Roof leaks are typically covered if a windstorm damages a home and creates an opening in the roof says stacey a. Suppose your roof is damaged by fire hail or wind. While the specifics of your policy determine whether you have coverage for roof leaks let s outline some of the common examples of when roof leaks and damage are and are not covered. Generally speaking sudden events that damage a well maintained roof and that lead to leaks will be covered by homeowners insurance.

Your home insurance might cover you if the leak was caused by storm damage to your roof. Giulianti a lawyer in boca raton fl. Homeowners insurance covers roof leaks if the damage is caused by a covered peril. A peril is the cause of loss for example fire.

If that s the case you should be covered by your home insurance. Is a leaking roof covered by insurance. In those cases your homeowners policy may help pay to repair the roof leak unless your policy has a wind or hail exclusion. Homeowners insurance may cover a roof leak if it is caused by a covered peril.

Before making a claim for roof damage as with any claim make sure to consider your home insurance policy s deductibles to determine whether filing a claim makes the best financial sense. Which results in a leak.