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HomeExclusiveDoes My Homeowners Insurance Cover Roof Leaks

Does My Homeowners Insurance Cover Roof Leaks

Home Insurance For Covering Roof Leaks

Does my homeowner’s insurance cover roof leaks

If your roof or ceiling leaks due to a covered peril, the associated damage should be covered under your homeowners insurance policy. Most home insurance policies have an open perils claims basis, which means unless coverage is specifically excluded, then it is included.

For example, if a storm comes through and wind blows some of your roof shingles away causing rain to leak into your ceiling, you would likely have coverage under your homeowners insurance. But if there is a slow leak due to deteriorated or incorrectly installed chimney flashing, for example, any ensuing damage may not be covered by your policy.

Under most standard homeowners insurance policies, the following perils are commonly excluded from coverage:

  • Ground movement caused by earthquakes, landslides or sinkholes
  • Infestations of any kind bedbugs, termites, mice, etc.
  • Nuclear accidents
  • Theft if the dwelling is under construction
  • Vandalism if the property is vacant
  • Certain dog breeds
  • Broken or frozen pipe burst in a vacant home
  • Foundation or pavement damage caused by the weight of ice or snow

Does Home Insurance Cover Roof Replacement

How does homeowners insurance cover roof replacement? Since your roof is a key piece of your home and is directly exposed to the elements, the forces of nature can bear down on it across the seasons. From ice and snow in the winter to potentially tropical storm-force winds in the summer, the roof can take a beating all year long.

Your home insurance policy is designed to help cover the cost of the repairs, partial or complete replacement of your roof if its damaged by a covered event. But the amount you will receive for your covered damages depends on a few variables:

How Do I Avoid Roof Scams

Fraudulent contractors often take advantage of homeowners after an area has been hit by severe storms. A typical roof repair scam involves a contractor who demands payment up front and often takes off with the cash. If they do the work, its usually shoddy, incomplete and substandard materials.

The National Insurance Crime Bureau says to be aware of contractors who insist on up-front payment before they begin work or offer lowball bids that come in much lower than other contractors. They may even offer a special hurricane deal or say theyll rebate your home insurance deductible.

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Your Home Insurance Won’t Pay For A Roof Repair Caused By Poor Maintenance But They Should Cover The Costs In Most Other Cases

Most homeowners insurance policies will cover roof leaks. However, your home insurance company will want to determine the cause of the roof leak before reimbursing you for the repair work. The easiest way to find out whether your home insurance will pay for a leaking roof is to read the declaration page in your homeowner’s insurance policy.

The declaration page will explain what perils are covered and excluded. If you cannot find your homeowner’s insurance policy, you can call your insurance provider and ask does home insurance cover roof leaks? Your insurer should be able to tell you over the phone.

Most home insurers will have an open peril list in their policy. Most homeowners insurance policies will contain a list of perils like in the table below:

List of perils covered by standard home insurance policy

Sudden and accidental cracking, bursting or breaking of pipes and other systems within the home Strong winds and hailstone
Damage from aircraft Theft

A list of open perils is anything that could cause damage to your property that is outside your control. Read the list of perils carefully to make sure that the cause of the damage to your property is not excluded in the policy. If the home insurance company determines that the cause of the damage is due to lack of maintenance, they are not likely to honour an insurance claim.

Here is a List of Hazards that Most Home Insurance Companies Exclude from their Policies

When Roof Leaks Are Covered By Homeowners Insurance

Does Home Owner Insurance Cover Roof

Heres the general rule: Roof leaks are covered when theyre caused by sudden, accidental events. Youre generally covered if your roof leaks after a named peril like:

  • Weight of ice, sleet, or snow

Lets say a windstorm blows through, and lifts your roofing shingles on your house, causing rain to leak into your home. Your homeowners insurance would cover you, since this is a sudden, unexpected occurrence, and is named in your policys list of named perils.

Roof leaks are just one example of water damage for which homeowners insurance has you covered.

BTW, by covered, we mean your homeowners insurance will help reimburse you for damages to your roof itself, as well as any damages to furniture, appliances, systems, etc. that were caused as a result of the roof leak .

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That Dreaded Drip Drip Dripand How Your Policy Can Help

  • Homeowners insurance generally covers roof leaks when theyre caused by a named peril, like a windstorm, hail damage, vandalism, or weight of ice, sleet or snow.
  • Roof leaks typically arent covered when they result from gradual events, like aging, mold, fungus, wait rot, pests, general wear-and-tear, or lack of maintenance.
  • To prevent roof leaks, regularly clean your gutters, clear debris from your roof, check your flashing, and replace broken or missing shingles.

Having a roof over your head is one of lifes most basic necessities, and lets be honest, its easy to take those protective shingles for granted. But if youve ever experienced a leaky roof, you know that this damage can leave you, your family, and your stuff exposed to the elementsand can even leave your home temporarily unlivable.

According to a 2022 data from HomeGuide, replacing an asphalt roof could set you back around $7,200 for an 2,000 square foot home, while you could pay upwards of $30,000 to install a new metal roof. Luckily, there are some cases where your homeowners insurance policy can kick in to repair your damaged roof, saving you and your wallet some major stress.

Well take you through the basics of roof leaks in your home insurance policy, so your coverage doesnt go over your head. Well also go through some helpful tips and tricks for keeping your roof in tip-top shape.

Heres what well cover:

What Damage Can A Leaky Roof Cause To My Home

A leaking roof can cause extensive damage to a home. If left unrepaired, a leaky roof can cause the following problems:

  • A rotting roof can cause shingles to fall off
  • Mold and mildew growth is not only unsightly but can also cause health problems.
  • Ruined insulation loses its ability to effectively maintain the temperature in your home.
  • Structural damage weakens the framing and may cause the walls or ceiling to collapse.

Its important to have roof leaks repaired, or your roof replaced as soon as possible to avoid further damage to your home. If you go through your insurance, youll pay the contractor your deductible, and the insurance company will pay the remainder.

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If Repairs Arent Urgent Get Approval Of The Work From Your Insurer

Your insurer needs to agree to any repair work on your home that youre claiming for, before you get in contractors and start paying for materials.

But if you have a roof leak, you may need this fixed as an emergency. In cases like this, insurers are usually understanding and should reimburse you.

Compare home insurance quotesBuy home insurance with us and well refund your excess if you make a claim. Excludes accidental loss and damage claims^

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Does My Homeowners Insurance Cover Roof Leaks?, LLC is a licensed insurance producer . services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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How To Prevent Roof Leaks

When it comes to roof damage, the best offense is defense. While theres little you can do to prepare your roof from sudden, unexpected events, you can take steps to prevent mildew, pests, and general roof wear and tear.

Please note that maintaining your roof yourself can be extremely dangerous, even if youre not afraid of heights. Proceed with caution and safety, and consider hiring a professional roofing company.

Clean your gutters

Gutters are your roofs drainage system after rain or snowfall. When theres a blockage, it could leave standing water on your roof, making it a prime location for water damage and mildew growth. Standing water could freeze over, creating an ice dam. When water has no place to flow off your roof, it can drip into your attic, your insulation, or your living room. Yikes.

Make a point of having your gutters cleaned at least twice a year. If you live in an area with tons of foliage, you might want to clean your gutters every three months. Trimming trees on your property regularly will also help keep your roof and gutters free and clear.

Clear your roof

Check your flashing

Flashing is used to connect, seal, and fortify your roof around things like chimneys, vents and skylights. Flashing is usually made of either metal or plastic.

Roof flashing should be replaced around every 15 years, and will roof flashing replacement will cost you between $400 to $1,000, according to HomeGuide, depending how much flashing you have.

Roof Repair Vs Roof Replacement

Many homeowners assume that since the insurance company will cover the cost of the roof damage, it means that the company will replace the entire roof.

While your roof may seem to be in terrible shape, an insurance adjuster may decide that all it needs is a repair. In this case, youd be out of pocket should you decide to move forward with a roof replacement.

Unfortunately, this often happens even if your roof legitimately needs to be replaced. This is why you need professionals from a reputable roofing company on your side to provide valid roof damage findings, review claims, and advocate for you.

When you work with, youre getting our expertise throughout the entire process. Well produce an airtight inspection report, communicate with your insurance company to make sure everyone is on the same page, and fight to get you the best outcome and coverage possible.

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Will My Monthly Home Insurance Payments Go Down If I Get A New Roof

There’s a good chance your homeowner’s insurance provider will give you a discount for replacing your roof. Replacing a pitched or flat roof reduces the chances of you making a claim for a roof repair to virtually zero. Talk to your existing insurer and ask them about a discount. If they refuse, shop around and try and find one that will. Try and find an insurer which is regulated by the financial services register. I recommend you get a quote from this roof insurance company.

Are Roof Leaks Covered By Homeowners Insurance

Does Homeowners Insurance Cover Roof Leaks?

Generally speaking, sudden events that damage a well-maintained roof and that lead to leaks will be covered by homeowners insurance. Leaks due to more gradual events, such as age, rot, normal wear and tear, and inadequate maintenance are generally not covered.

There are some exceptions to these general principles. For example, unless the homeowner purchases special flood insurance, damage to a roof caused by flooding is not covered. Similarly, most homeowners insurance policies exclude damage caused by earthquakes, unless that coverage is purchased separately. And intentional damage to the roof by the homeowner is not covered at all.

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Should You Get A Home Warranty For Roof Repair Or Replacement

Getting a home warranty for roof leak protection can be a good investment to supplement your home insurance, but theres no right answer as to whether to buy it.

These warranties often cover roof leaks caused by an old roof or general wear and tear, which home insurance companies usually exclude from policies.

A home warranty with roof coverage provides some peace of mind knowing that if your roof leaks, you dont have to pay for the repairs entirely out-of-pocket, but you have to decide whether the added expense is worth it.

Home warranties can be expensive. Not only do you pay a monthly fee, you typically pay a service fee each time a professional comes to your home. And if your roof is leaking due to age or wear and tear, you may need to replace the roof, which isnt covered by a home warranty.

Where To Buy Homeowners Insurance

Most major insurers, including State Farm, Progressive, GEICO and Farmers, provide homeowners insurance. Regional insurance companies like Lemonade and Hippo also offer homeowners insurance. You can shop around for home insurance and compare rates from several companies to find the best provider for your needs.

Homeowners insurance costs an average of $175 per month. However, your rate may vary based on the company and the value of your home and personal belongings. To estimate how much you may pay for homeowners insurance, use MoneyGeek’s personal property calculator.


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The Type Of Roof Replacement Coverage In Your Policy

In some cases, your roof will qualify for actual cash value coverage . This is because the age or condition of your roof is such that its too compromised or the roofing material rules out other coverages.

If your roof is eligible based on its age and type , you may qualify for roof replacement cost coverage . Its optional coverage that can be added to your policy.

With RCV coverage, well reimburse you for the full amount that it would cost to repair or replace your roof in the event of a covered loss. Depending on the damage, you may choose not to repair or replace your roof, and in that case, well only pay you the actual cash value of the damage.

Watch Out For Roof Repair Scams

Does Home Insurance Cover Roof Leaks: Roof Replacement vs. Roof Repair

Roof repair scams often increase in the aftermath of large storms. These scams have been a major problem in Florida and are a factor in increasing home insurance costs in the state.

People looking to prey on vulnerable homeowners might go around the neighborhood offering quick repairs and telling you that they detected roof damage that you cant see. Watch out for:

  • Insisting on big payments upfront: If a contractor wants more than 10% or $1,000 down, be wary. Laws often say that contractors cant require larger deposits for home improvement contracts.
  • Check licensing: While not all states require a roofing license, its wise to work with a licensed contractor so you know they meet proper professional standards.

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Do Home Warranties Cover Water Damage

Home warranties and homeowners insurance go hand-in-hand to protect both the structure of your home and the appliances you use to keep your home running smoothly. Home warranties are issued on some of your everyday appliances in case they malfunction or break, like your fridge, shower and dishwasher. Some of these appliances can also cause water damage if they malfunction or break, so it’s important to know what damage a home warranty covers versus what’s covered by your homeowners policy.

If your dishwasher malfunctions and causes your kitchen to flood, a home warranty will cover the cost of fixing or replacing the appliance and stopping the leak. However, the water damage to your home is considered “secondary damage,” which is not covered by a home warranty but is likely to be covered by your homeowners policy. As long as improper installation or an accident caused the damage, your policy will cover the water damage inflicted.

How To File A Claim For Roof Leaks

Filing a claim for roof leaks is easy most insurers let you file one online or on the phone. Youll typically need to follow these steps:

  • Start by assessing the damage. Take photos of the damage and provide any documentation to support the cause of the leak, such as pictures of a tree that fell on your roof after a storm.
  • Contact your insurance provider and file a claim. Your insurer will inform you how it processes claims and provide you with the forms needed to submit one. Answer the questions fully and in as much detail as possible. Also, keep in mind that your insurance carrier may have a required deadline for you to submit the claim form.
  • Wait for the insurance adjuster. Once your insurer receives the claim, itll send an adjuster to inspect your roof and validate the details of your claim. The adjuster will provide an estimate of how much your insurance provider should cover for the repairs.
  • Receive the settlement and make your repairs. The insurance adjuster will submit a report on your claim. Depending on your insurer and policy, youll be issued a check to make the repairs, or the payment could go directly to the contractor.
  • Tip:

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    When Does Homeowners Insurance Cover Roof Leaks

    As a part of the physical structure, the roof is covered under dwelling coverage. So, homeowners insurance covers roof leaks if the damage is sudden and a covered peril causes it. Below are some instances where homeowners insurance covers roof leaks.

    • Dwelling coverage pays for roof leaks if your roof is damaged due to vandalism or another peril.
    • Homeowners insurance covers leaks in the roof caused by a storm.
    • If a tree branch breaks off and damages your roof, any leaks are covered by homeowners insurance.

    Homeowners insurance dwelling coverage pays for roof leaks because of certain causes of the damage. But you may also get personal property coverage for roof leaks.

    For example, an ice dam that forms on your roof during a cold winter can cause water to drip down the ceiling of your house and onto the carpet. Your personal property coverage pays to fix or replace any damaged carpet, but your dwelling coverage would cover the cost of repairing the roof.


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