Will Home Owners Insrance Cover A Leaking Roof

Your policy may cover the water damage or cost to replace the roof.

Will home owners insrance cover a leaking roof. There are some instances where your home insurance will cover you if you ve got a leaking roof. 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. Homeowners insurance doesn t cover any preventable damage to a property so the key here is determining if the leak is caused by a sudden and unexpected event. Will home insurance cover a leaking roof.

Are roof leaks covered by homeowners insurance. In situations where roof leaks are taking place because of carelessness on your part the insurance policy will not cover the damage. Most homeowners insurance policies cover roof replacement if the damage is the result of an act of nature or sudden accidental event. The insurance also covers roof damages and leaks depending on what caused the damage.

Will insurance cover the leaking roof. 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. Your insurance agent will send someone to assess the damage and get the claim process started. For example unless the homeowner purchases special flood insurance damage to a roof caused by flooding is not covered.

Thus the policy will cover the damage unless a specific cause has been excluded from the policy. Your home insurance might cover you if the leak was caused by storm damage to your roof. In many cases. Instead it typically helps pay to repair sudden accidental damage.

However homeowners insurance generally does not cover damage resulting from lack of maintenance or wear and tear. Your home insurance policy s declaration page will explain which perils are covered or excluded under your current policy. Read on to find out what they are. 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.

And intentional damage to the roof by the homeowner is not covered at all. Homeowners insurance covers roof leaks if the damage is caused by a covered peril. If that s the case you should be covered by your home insurance. Similarly most homeowners insurance policies exclude damage caused by earthquakes unless that coverage is purchased separately.

Most homeowners insurance policies won t pay to replace or. 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.