Does Homeowner’s Insurance Cover Roof Leaks?

ByDevin Pulos

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Roof Leaks

How Roof Leaks are Typically Viewed

Finding out you have a roof leak can be stressful, and costly. Homeowner’s insurance will typically cover roof leaks if they occur suddenly and accidentally by various perils. There are, however, certain perils or causes of damage that most insurance companies will and will not cover. Typically, most standard home insurance policies offer the same types of claims coverage. Insurance companies make sure to remain cautious to avoid possible insurance fraud or scams. Because of this, there are many safeguards in place to allow for only valid claims to be paid out. Having roof inspections and documented records will allow you a higher chance of approval for any future claims. Choose a professional roofing consultant such as PJ Fitzpatrick for roof inspections and estimates.

Typical Causes of Roof LeaksTypical Causes of Roof Leaks that Most Insurance Companies Cover

Roof leaks covered by insurance will depend on your specific homeowner’s insurance policy and circumstances. Some perils that are covered by most homeowner’s insurance policies include hail and windstorms, explosions, lightning, falling objects, theft, vandalism, the weight of snow/ice, damage from electrical surges, and damage from vehicles or aircraft. You should review your policy documents or speak with your agent to discuss the specific items that you have in your policy. Most insurance companies will grant payment for roof repairs instead of full replacement which may not be worth the deductible payment so you could be forced to decide if it makes more sense to replace the whole roof.

Possible Causes of Roof Leaks Most Insurance Companies May Not Cover

Almost all insurance companies will exclude typical roof wear and tear from their coverage. Many perils that may not be included in your homeowner’s insurance policy include floods, earthquakes, insect infestations, rust, corrosion, and landslides. As it is the homeowner’s responsibility to maintain their roof, most insurance companies do not cover roof leaks caused by lack of maintenance and neglect.

Professional Roof InspectionsProfessional Roof Inspections Can Be Extremely Beneficial

Inspecting your home’s roof can save you time and money down the road. When inspecting your roof from the outside, it is important to check on a few key items. Make sure caulk isn’t cracking, shingles aren’t broken, and there should not be any rust stains on the flashing. When looking at the interior of your home, there should not be any dark spots on ceilings, paint peeling, or damp spots alongside fireplaces. If you happen to find any of these signs, give a roofing contractor like PJ Fitzpatrick a call so a professional can come and check on potential roof damages for you.

You Can Rely on the Experts at PJ Fitzpatrick for Roof Replacement

Dealing with a leaking roof? Trust the expert roof replacement contractors at PJ Fitzpatrick for all roof replacement needs. A leaking roof will need to be replaced sooner rather than later, and PJ Fitzpatrick knows exactly how to help. Give us a call at 1-877-246-4354 or schedule an appointment to get a free, no-obligation quote for a roof replacement or repair.


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