Your roof is one of the most important parts of your home, so it’s essential to ensure it’s properly protected with insurance. But what does it cover? Does homeowners insurance cover roof leaks and roof damage?
Most home insurance policies will help cover the cost of repairs for both roof leaks and roof damage, but there are certain exceptions.
As a homeowner, you’re responsible for the maintenance and repair of your home, including the roof. And while you may take measures to prevent roof leaks, such as regularly cleaning your gutters and inspecting your roof for damage, leaks can still happen.
If your roof starts leaking, you could be facing significant repair costs. Here’s what you need to know about home insurance and roof coverage.
Does Home Insurance Cover Roof Leaks?
Most homeowner’s insurance policies cover roof leaks as long as they’re caused by an event that is listed in the policy, such as a windstorm or hail.
However, if the leak is caused by something that is not listed in the policy, such as poor maintenance or a manufacturing defect, it’s unlikely the insurance company will pay for the damages.
Will Homeowners Insurance Cover The Water Damage If My Roof Leaks?
Water damage from a leaking roof is covered under most standard homeowners insurance policies. But, as with any insurance claim, there are certain conditions that must be met and exclusions that may apply.
To be covered, the water damage must be caused by a “covered peril.” Most policies cover damage caused by wind, hail, the weight of ice or snow, and rain. But, if the roof leak is caused by something else, like a faulty plumbing pipe, it probably won’t be covered.
There may also be limits on the amount of coverage for water damage. For example, your policy may have a $5,000 limit for water damage claims. So, if the repairs for the roof leak cost $6,000, you would have to pay the additional $1,000 yourself.
It’s always a good idea to review your homeowner’s insurance policy before you have a claim. That way, you’ll know what is and isn’t covered. If you have any questions, you can contact your insurance agent or company.
Does Homeowners Insurance Cover a Roof Replacement?
Most home insurance policies will cover roof replacement if the damage is a result of an incident that is covered by the policy. For example, if your roof is damaged by a fire, wind, or hail, your home insurance policy will likely cover the cost of replacing the roof.
However, if the damage is due to wear and tear, such as from a leaking roof, most home insurance policies will not cover the cost of replacement.
Should I File a Home Insurance Claim for Water Damage?
Deciding to file a home insurance claim for water damage isn’t easy. However, you can make the best decision for your situation by taking the time to assess the damage, consider your deductible, and weigh the pros and cons.
Assess the Damage
If the damage is minor and can be easily repaired, it’s probably not worth filing a claim. However, if the damage is significant, or you don’t have the money to pay for repairs out-of-pocket, then a claim may be your best option.
Consider Your Deductible
Your deductible is the amount you’ll have to pay out-of-pocket before your insurance policy kicks in. If the cost of repairs is less than your deductible, then it’s probably not worth filing a claim. However, if the cost of repairs is more than your deductible, you may want to consider filing a claim.
Weigh the Pros and Cons
On the one hand, filing a claim will likely increase your premiums. On the other hand, if you need to make repairs and don’t have the money to do so out-of-pocket, then a claim may be your best option.
How Do I Make a Successful Water Leak Insurance Claim?
Follow these steps with your insurance company to make a successful claim for your leaky roof.
- Document the damage by taking pictures or video of the damage and make a list of all the items that were damaged.
- Contact your insurance company and let them know that you have suffered water damage. Be sure to have your policy number handy when you call.
- The insurance company will likely send an adjuster to your home to assess the damage and determine the value of your claim.
- Get at least three estimates from contractors for the repair work.
- Submit the estimates to your insurance company along with your claim form.
What to Do If Insurance Denied Roof Claim
If your roof insurance claim is denied, don’t despair. You may be able to appeal the decision or file a new claim. Always start by checking the reason for the denial to see if adjustments can be made. If all else fails, seek advice or representation from a lawyer.
What Damage Can a Leaky Roof Cause To My Home?
A leaking roof can cause extensive damage to a home. If left unrepaired, a leaky roof can cause the following problems:
- A rotting roof can cause shingles to fall off
- Mold and mildew growth is not only unsightly but can also cause health problems.
- Ruined insulation loses its ability to effectively maintain the temperature in your home.
- Structural damage weakens the framing and may cause the walls or ceiling to collapse.
It’s important to have roof leaks repaired, or your roof replaced as soon as possible to avoid further damage to your home. If you go through your insurance, you’ll pay the contractor your deductible, and the insurance company will pay the remainder.
Trust Volpe for Your Roof Repair or Replacement
Don’t wait until your roof starts leaking to call a roofing contractor. By then, the damage may be extensive and costly to repair. If you think you may need a roof repair or replacement, contact Volpe Roofing today. Volpe Enterprises Inc. has been family owned and operated for over fifty years. As a roofing company, we assure quality, honesty, and integrity. Call today to schedule a free roof repair or roof replacement estimate.