Will Home Owners Insrance Cover A Leaking Roof

Homeowners insurance covers roof leaks if the damage is caused by a covered peril.

Will home owners insrance cover a leaking roof.

Your policy may cover the water damage or cost to replace the roof. A peril is the cause of loss for example fire. When you call your insurance agent to get a claim started you may ask yourself will my home insurance cover the roof leak. Instead it typically helps pay to repair sudden accidental damage.

The insurance also covers roof damages and leaks depending on what caused the damage. Will home insurance cover a leaking roof. Read on to find out what they are. Your insurance agent will send someone to assess the damage and get the claim process started.

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. Your home insurance policy s declaration page will explain which perils are covered or excluded under your current policy. However homeowners insurance generally does not cover damage resulting from lack of maintenance or wear and tear. And intentional damage to the roof by the homeowner is not covered at all.

There are some instances where your home insurance will cover you if you ve got a leaking roof. Most roof leaks are covered by homeowners insurance policies. Are roof leaks covered by homeowners insurance. 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.

For example unless the homeowner purchases special flood insurance damage to a roof caused by flooding is not covered. Most homeowners insurance policies cover roof replacement if the damage is the result of an act of nature or sudden accidental event. Will insurance cover the leaking roof. Similarly most homeowners insurance policies exclude damage caused by earthquakes unless that coverage is purchased separately.

However whether your homeowners insurance company will reimburse you for the repair of a roof leak and any subsequent damage to your belongings depends on the original cause of the leak. So if its age or an unresolved maintenance issue are to blame for your leaking roof homeowners insurance likely won t pay to repair the leak or the resulting damage. In many cases. Thus the policy will cover the damage unless a specific cause has been excluded from the policy.

If that s the case you should be covered by your home insurance. In situations where roof leaks are taking place because of carelessness on your part the insurance policy will not cover the damage.