A question we get all the time is “does homeowners insurance cover leaking roof” . It’s a common question during the storm and rainy season. The answer is “it depends”. There are many different factors that will determine if homeowners insurance covers roof leaks.
Does Homeowner Insurance Cover Roof Leaks?
Homeowners insurance will cover roof leaks in most cases. Damage caused by old age, wear and tear, or improper maintenance are not covered.
Roof leaks are a common concern of homeowners. Water inside the house can cause lots of stress and cost lots of money. It’s never a fun situation to be in, but in many cases you can receive help from your homeowners insurance by filing a claim. Let’s go over some common questions and give you the information you need to know before your roof starts leaking.
Does Home Insurance Cover Roof?
The first question is if your home insurance covers roofs at all, just not for leaks. Homeowners insurance does cover your roof, so long as it is a covered peril. A peril is simply a situation or event that happens to your home. Your home insurance policy will list out these covered perils in the contract, so make sure you read and are aware of what these covered perils are.
List of common perils on homeowners insurance policy:
- Fire and Smoke
- Falling Objects
There are also a list of exclusions on every home insurance policy. Be sure to look those over and know what they are. Not all home insurance policies are the same. Click here for more information regarding the differences in home insurance policies.
List of common exclusions homeowners insurance policy:
- Wear & Tear
- Damage from infestation of insects and animals
Dwelling Coverage is the coverage that damage to your roof would fall under, in most cases. For more information on dwelling coverage and what it is, click here.
Pro Tip– When getting quotes for your home, request that the agent quote you an HO-5 policy rather than an HO-3 policy.
Under and HO-3 policy, damage will only be covered if it falls under a covered peril and if it’s not specifically excluded.
Under an HO-5 policy, damage that happens to your roof will be covered, unless it’s specifically excluded, this is a much better policy.
If you’re constantly worried and asking yourself “does homeowners insurance cover roof leaks” then do yourself a favor and get an HO-5 policy.
Does Homeowners Insurance Cover Water Damage From Leaking Roof?
Homeowners insurance may cover damage to your roof and a leaking roof, depending on how the damage occurred. Normal wear and tear to your roof is not covered. Neither is damage that occurs to your roof because of lack of regular maintenance. In other words, you’re not going to get your home insurance company to pay for a new roof simply because it is old. Other things that may not be covered would be damage from pests, birds, rot , etc.
Some common causes of damage to your roof that are generally covered would be fire, wind, hail damage. A common example would be a tree toppling onto your roof because of a wind storm. This would be covered in most cases.
Consider Your Home Insurance Deductible
In all cases, you would be responsible for paying your deductible before anything is covered. Most deductibles on homeowners insurance policies are $1,000. So if the damage to your roof is less than this, there is no need to file a claim.
Sudden and Accidental
A good way to determine if damage will be covered to your leaking roof is if it happened suddenly and accidentally. Unless otherwise excluded, these are the things that are generally covered. Things that happen slowly and overtime, such as old age or lack of maintenance are generally not covered under your home insurance.
It’s important to immediately take action should you notice a roof leak or water damage inside your home. The longer you wait the worse the damage and also you take the chance of your home insurance company denying the claim. Call a roofing professional immediately should you notice or suspect a leak.
Does homeowners insurance cover new roof?
Home insurance will pay to replace your roof with a brand new one, but only if the damage to your roof is fully covered by your home insurance company. If the damage meets the criteria we discussed above then your insurance company would pay for a new roof.