Get Started (605) 484-1938
A woman holds a blue bucket under a stream of water leaking from the ceiling while talking on the phone, possibly asking,

Does Homeowners Insurance Cover Roof Leaks? (& What to Do When It Doesn’t)

Posted By: Jake Hofer

For many homeowners, the word “leak” can send shivers down the spine. Whether you’re a seasoned homeowner or a first-time buyer, understanding what your homeowners insurance covers is crucial, especially when it comes to something as potentially damaging as a roof leak.

We’ll give you all the details in this guide by exploring:

Understanding Homeowners Insurance

Before we dive into the specifics of roof leaks, let’s take a moment to understand what homeowners insurance typically covers. Homeowners insurance is designed to protect your home and personal property from various risks, such as fire, theft, and natural disasters. It generally includes the following types of coverage:

  • Dwelling Coverage: Protects the structure of your home, including the roof, walls, and foundation.
  • Personal Property Coverage: Covers your belongings, such as furniture, electronics, and clothing.
  • Liability Coverage: Provides protection if someone is injured on your property and you are found liable.
  • Additional Living Expenses (ALE) Coverage: Helps cover the cost of temporary housing if your home is uninhabitable due to a covered event.

Now that we have a basic understanding of homeowners insurance, let’s focus on a common concern for many homeowners—roof leaks.

Does Homeowners Insurance Cover Roof Leaks?

The short answer is, it depends. Homeowners insurance may cover roof leaks, but several factors determine whether a specific leak will be covered. These factors include the cause of the leak, the extent of the damage, and the terms of your insurance policy.

Covered Perils vs. Exclusions

Homeowners insurance policies typically cover damage caused by “covered perils.” Covered perils are specific events or risks that your policy protects against. Common covered perils that may lead to roof leaks include:

  • Storms: Wind, hail, and heavy rain can cause damage to your roof, potentially leading to leaks.
  • Falling Objects: Tree branches or other debris falling on your roof could result in leaks.
  • Fire: While less common, a fire can damage your roof and lead to leaks.

On the other hand, there are also exclusions—events or conditions that your policy explicitly does not cover. Common exclusions that may result in roof leaks include:

  • Wear and Tear: Normal aging and lack of maintenance are generally not covered by homeowners insurance.
  • Negligence: If the leak results from your failure to maintain your roof properly, your insurance may not cover it.
  • Pest Infestation: Damage caused by pests, such as termites or rodents, is often excluded from coverage.

The Importance of Maintenance

Insurance companies expect homeowners to maintain their property, including the roof, to prevent avoidable damage. Regular maintenance can help you catch potential issues before they become significant problems. Here are some maintenance tips to keep your roof in good condition:

  • Inspect Regularly: Check your roof for signs of damage, such as missing or damaged shingles, cracks, or sagging areas.
  • Clean Gutters: Clogged gutters can lead to water buildup, which can damage your roof and cause leaks.
  • Trim Trees: Overhanging branches can damage your roof during storms. Trim trees regularly to prevent this risk.
  • Address Issues Promptly: If you notice any signs of roof damage, address them immediately to prevent further deterioration.

By maintaining your roof, you can reduce the risk of damage and increase the likelihood that your insurance will cover any necessary repairs.

Filing a Claim for a Roof Leak: 6 Foolproof Steps

a engineer in inspecting

If you discover a roof leak and believe it may be covered by your homeowners insurance, follow these steps to file a claim:

1. Document the Damage

Take photos and videos of the damage to your roof and any affected areas inside your home. This documentation will be essential when filing your claim.

2. Review Your Policy

Carefully review your homeowners insurance policy to understand what is covered and any relevant exclusions. Pay attention to the deductible you will need to pay before your insurance coverage kicks in.

3. Contact Your Insurance Company

Notify your insurance company of the damage as soon as possible. Provide them with the documentation you gathered and any other requested information.

4. Schedule an Inspection

Your insurance company will likely send an adjuster to inspect the damage and determine the cause. Be prepared to provide additional information or answer any questions the adjuster may have.

5. Get Estimates

Obtain estimates from licensed contractors for the repair work. Your insurance company may require multiple estimates to ensure fair pricing.

6. Complete Repairs

Once your claim is approved, you can proceed with the necessary repairs. Keep all receipts and documentation related to the repairs for your records.

Factors That Influence Coverage

Several factors can influence whether your homeowners insurance will cover a roof leak, including:

The Cause of the Leak

As mentioned earlier, the cause of the leak plays a significant role in determining coverage. Damage resulting from covered perils is more likely to be covered, while damage due to wear and tear or neglect is typically excluded.

The Age of the Roof

The age of your roof can also impact coverage. Older roofs are more susceptible to wear and tear, and insurance companies may be less willing to cover damage to an aging roof. Some policies may have specific provisions regarding the age of the roof and the extent of coverage.

Policy Limits and Deductibles

Your homeowners insurance policy will have coverage limits and a deductible. The coverage limit is the maximum amount your insurance company will pay for a covered claim, while the deductible is the amount you must pay out of pocket before coverage applies. Understanding these limits and deductibles is essential when filing a claim for a roof leak.

Preventive Measures

Insurance companies may consider whether you have taken preventive measures to protect your roof. For example, if you have installed impact-resistant shingles or other protective features, your insurance company may view your roof as less risky and be more inclined to cover damage.

Steps to Take if Your Claim is Denied

If your insurance claim for a roof leak is denied, it can be frustrating and stressful. However, there are steps you can take to address the situation:

Review the Denial Letter

Carefully review the denial letter from your insurance company. The letter should provide specific reasons for the denial. Understanding these reasons can help you determine your next steps.

Request a Re-evaluation

If you believe the denial was unjustified, you can request a re-evaluation of your claim. Provide additional documentation or evidence to support your case. This may include:

  • Independent Inspection Reports: If you obtained an independent inspection, provide the report to your insurance company.
  • Maintenance Records: Show evidence of regular roof maintenance and repairs to demonstrate that the damage was not due to neglect.
  • Expert Opinions: Obtain opinions from roofing professionals or contractors to support your claim.

File a Complaint

If your re-evaluation request is denied, you can file a complaint with your state’s insurance department. The department can review your case and determine whether your insurance company acted in good faith.

Consider Legal Action

In some cases, you may need to seek legal advice and consider taking legal action against your insurance company. Consult with an attorney who specializes in insurance claims to understand your options.

Tips for Preventing Roof Leaks

Preventing roof leaks is essential for protecting your home and avoiding potential insurance claims. Here are some additional tips to help you prevent roof leaks:

  • Install Proper Ventilation: Proper roof ventilation helps regulate temperature and moisture levels in your attic. This can prevent condensation buildup, which can lead to water damage and leaks.
  • Use High-Quality Materials: When repairing or replacing your roof, invest in high-quality materials that offer durability and protection. Impact-resistant shingles, for example, can withstand severe weather conditions and reduce the risk of damage.
  • Seal Flashings and Vents: Flashings and vents are vulnerable areas where water can seep through. Ensure that these areas are properly sealed and maintained to prevent leaks.
  • Monitor Weather Conditions: Be aware of upcoming weather conditions, especially severe storms. Take preventive measures, such as securing loose items and trimming tree branches, to minimize potential damage.
  • Conduct Seasonal Inspections: Perform seasonal inspections of your roof, especially after severe weather events. Look for signs of damage, such as missing shingles, cracks, or water stains. Address any issues promptly to prevent further damage.

The Role of Professional Roofing Inspections

Professional roofing inspections play a crucial role in maintaining the health of your roof and preventing leaks. Consider scheduling regular inspections with a licensed roofing contractor. These inspections can:

👉 Identify Hidden Issues

Professional roofers have the expertise to identify hidden issues that may not be visible during a casual inspection. Early detection of problems can prevent costly repairs down the line.

📄 Provide Documentation

Having a record of professional inspections and maintenance can be valuable when filing an insurance claim. It demonstrates that you have taken proactive steps to maintain your roof.

👷🏼‍♂️ Offer Expert Recommendations

Roofing professionals can provide expert recommendations for repairs, maintenance, and upgrades. Following their advice can extend the lifespan of your roof and enhance its performance.

Let Us Help You Understand Insurance and Roofing

a worker is installing shingles

Understanding whether homeowners insurance covers roof leaks is essential for protecting your home and ensuring peace of mind. While coverage depends on various factors, including the cause of the leak and the terms of your policy, taking proactive steps to maintain your roof can make a significant difference.

If you experience a roof leak, remember to document the damage, review your policy, and work closely with your insurance company to file a claim. For personalized advice and assistance with your homeowners insurance, consider booking a consultation with one of our insurance experts at Built Right Roofing. We’re here to help you navigate the complexities of insurance coverage and protect what matters most.

share this article:

Rediscover the Joy of Your Home.

Get Started
Shingles installed on roof
Share to...