Needing to replace or repair a roof that leaks can be expensive and a real headache while waiting for the repairs to be done. Most homeowners believe their homeowners insurance policy will pay for a leaky roof. The truth, however, is much different. There are some cases in which your policy will cover roof leaks, but there are also cases in which it will not. It depends on the circumstances of the leak and the extent of coverage you have. In some instances, the type of roof and the materials it is made of will determine if coverage exists. Some insurers include exclusions for certain roofing materials, older roofs and roofs layered in a certain manner.
Leaky Roofs Due to Lack of Maintenance
Homeowners insurance policies do not cover the repair or replacement of roofs due to inadequate maintenance. Homeowners insurance policies do not provide coverage for anything that is damage or needs replacing because it was not adequately maintained. This applies to roofs, driveways, household appliances, septic systems and any other items included in the policy. It is your responsibility to maintain your home. The homeowners insurance policy is there in case of accidents and Mother Nature (in some cases).
Roof Damage Caused by Mother Nature
Most policies, especially if they have a wind and hail policy to cover hurricanes, will repair or replace a roof damaged by a storm, less the deductible. However, if you are looking to purchase a home insurance policy, be sure you know the extent of coverage offered for roof damage. If you live in an area where hurricanes are prevalent, you may need the wind and hail coverage for named storms. Generally, if it is a named storm, the only coverage you may have for your roof is from a wind and hail insurance policy. If there is no coverage, you may want to add it to the policy or seek out an insurance provider who offers at least some level of coverage for your roof.
Water Damage from a Leaky Roof
If you have water damage in the interior of your home caused by a leaky roof, usually your insurance policy will cover those damages. However, most likely there will not be coverage to fix the roof. Of course, if it turns out that the roof has been leaking for a long time and nothing has been done to fix the issue, an insurance company may reject the claim altogether. This, again, is based on the lack of proper maintenance and care of your home.
What to do if You Have a Leaky Roof
If you do have a leaky roof, the first thing to do is contact your homeowners insurance company. You must find out what they may cover. It is important to contact your insurance company before you get any repairs done. Roofing contractors are not insurance agents and may give you inaccurate information regarding whether or not you are covered and to what extent.
Shop Around for Homeowners Insurance for Roof Coverage
If you are looking for insurance for a home you are about to purchase or are looking to switch companies, you will want to take some time to shop around. There are many scenarios that can occur to damage your home, such as a leaky roof, so you want to be informed, and you want to find the right coverage. You also want to get the best possible price. To do this, take advantage of online home insurance quotes.
You can use our free rate quote tool right now to compare rates in your area and find the best deal on the homeowners insurance coverage you need. A few minutes spent comparing rates can save you as much as $500 on your yearly homeowners insurance premiums.