roof maintenance tips for homeowners

How Does Homeowners Insurance Handle a Leaking Roof?


After a storm, it is common for you to contact your insurance to understand your coverage. Depending on the homeowner insurance you bought, there may be a few variations of what is and is not covered. No matter what, if your roof is leaking, your first step should be to determine where the leak is and to read over your homeowners insurance documentation so you know before you call whether or not your damage is covered.

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Roof damaged from water leak, in need of repair

Does Homeowners Insurance Cover Roof Leaks?

When it comes to homeowners insurance for a roof leak, how the roof incurred damage is usually what insurance adjusters are looking at. If the roof is coming to the end of its lifespan and the shingles are starting to dissipate, curl, or break off due to natural wear and tear, that is a situation where your homeowners insurance most likely will not cover the leak. However, if the leak originated due to a natural disaster, such as rain or a tree branch knocked onto the roof by strong wind, then insurance is more apt to consider covering the repair costs.

When you conduct regular roof inspections on your home, it is easier to spot some of the unresolved maintenance issues that could eventually lead to a leak down the line. That way if you experience a leak after a severe storm, you can feel confident knowing that it wasn't the result of an aging roof, but because of a natural disaster, and it will be up to your homeowners insurance to pay for the repair.

How Much Does A New Roof Save On Homeowners Insurance?

  1. Reduced risk of damage: A new roof can reduce the risk of damage from wind, hail, or other weather events. This can lower the likelihood of a claim, which could lead to lower insurance premiums over time.
  2. Eligibility for discounts: Some insurance companies offer discounts for homeowners who install impact-resistant roofing materials or other features that can reduce the risk of damage to their homes.
  3. Increased home value: A new roof can increase the value of your home, which can affect the cost of insuring it.

What Kind of Roof Damage Does Homeowners Insurance Cover?

Homeowners' insurance policies typically exist to help protect the overall structure of your home from certain environmental perils that can cause damage to the structure of your home. Your homeowners insurance will cover damage brought on by strong winds, heavy rain, fire, and hail. For example, if after a severe storm, your roof is damaged due to a tree falling on it and piercing the shingles, or strong winds knocked your shingles out of place, you can file a roof leak insurance claim to get the damage fixed.

It is important to keep in mind that even with homeowners insurance, you will still need to pay a deductible and there is usually a limit to the amount of coverage you receive. If the damage goes above what your roof leak insurance will cover, it is possible that you will have to pay for the rest of your roof repair of pocket, even if overall, the damage is from something covered by your insurance.

RoofClaim Can Help

If you have questions about whether your homeowners insurance will cover roof leaks, you can always get in touch with the team of experts at Roofclaim. We have worked with owners of residential and commercial property for years and can help walk you through any confusion and help communicate with your homeowners insurance. If you have questions or would like to request more information, contact us via email or convenient online chat.? If you are ready to get started, you can schedule a free inspection to determine the source of? the leak.

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RoofClaim is not a licensed public adjuster under section 626.854, Florida Statutes and does not provide services as a public adjuster for insurance claims.