Will Your Leaking Roof Be Covered By Your Homeowners Insurance?

If you notice water damage or stains on your ceiling or walls, you may have a leaky roof. Repairing a roof leak can cost a substantial amount of money, so it’s crucial to determine if your homeowner’s insurance policy will cover the cost of restoration. This article highlights the type of roof leaks covered by homeowners insurance and which ones are not.

Signs of a Leaking Roof

Locating a roof leak isn’t always simple, but it’s vital to investigate the exact source as soon as you notice moisture infiltration. Leaking roofs often reveal themselves with brownish stains on the ceiling and walls. When moisture penetrates the decking, the water will drip onto the attic insulation and down to the drywall, resulting in brown staining. From the inside of your home, check the attic space for signs of a roof leak. Using a spotlight, look for black marks, water stains, and mold.

Take into consideration the events which happened before noticing the roof leak. If hail, high winds, or heavy rains were a precursor, the information could help you narrow down the location of your roof leak. Inspect your roof from outside your home and look out for any noticeable damage, such as wind-blown, damaged, or missing shingles, misplace gutters, or cracks near vent pipes. 

When Home Insurance Covers Roof Leaks

Your homeowner’s insurance typically covers roof leaks if a covered peril causes them. Generally, perils are weather-related events or situations which can damage your home or personal belongings. They often include fires, hailstorms, and high winds. Your insurer would compensate you for any losses if the damage was sudden and accidental. However, certain weather events such as floods and earthquakes are not covered, so you’ll need to purchase a separate policy for such perils.

When Home Insurance Does Not Cover Roof Leaks

Your home insurance won’t cover roof leaks when the cause of the damage is not a covered peril. For example, if your roof develops leaks due to general wear and tear, the damage is often excluded from coverage. Most insurance companies will also deny leak repair claims if the damage is caused by mold, wet rot, pests, birds, improper code materials, neglect, or contractor/construction errors.

Handling Roof Leaks

If you suspect you have a leaky roof, then your priority should be to have the roof inspected by a professional roofing contractor and repairs done as soon as possible. Many insurance companies will request a qualified contractor first to come and take a look at your roof. Your roofer will then advise on the best course of action and whether or not to file a claim based on your policy coverage and deductible. If you’re not sure about what your policy covers, contact your insurance agent for more information.

Overall, having a leaky roof can bring serious trouble to your home. Fortunately, most roof repairs may be covered by your regular homeowner’s insurance. It is essential to schedule routine roofing inspections twice every year and following significant storms. At Alan’s Roofing, we’ve got your back covered for all roofing needs in Central Florida. We can help you fix small leaks before they cause more expensive damage to your home. Contact us today to schedule your free consultation!