Homeowners insurance can cover a roof leak if it is caused by a covered hazard. Suppose the roof is damaged by fire, hail or wind. In those cases, your homeowners policy can help pay for roof leak repair (unless your policy has a wind or hail exclusion). A typical all-risk homeowners insurance policy covers your roof and the cost of replacing it if it gets damaged.
But you're usually only covered if the damage or destruction is the result of a sudden accident or a natural act. Problems that result from general wear and tear or from a roof that has exceeded its expected useful life are not eligible for reimbursement because they fall under the general maintenance responsibility of the homeowner. If the roof is damaged by a covered hazard, such as fire or bad weather, homeowners insurance will cover roof replacement costs. Repairing or replacing a roof can be one of the most expensive aspects you can deal with as a homeowner.
Your homeowners insurance is there to pay for roof-related damage, but only for covered hazards, such as damage from bad weather conditions, falling objects or a fire. Generally, your homeowners insurance doesn't cover damage or leaks caused by an old or poorly maintained roof failing. A roof in good condition is more likely to withstand inclement weather and any unexpected events. That's why it's important to stay on top of maintenance to avoid a bigger problem in the future.
Are you considering filing a homeowners insurance claim for a damaged roof? Homeowners insurance can cover roof repairs if a fallen tree damages it. Your policy may also cover roof damage caused by a fire, hurricane or tornado. The types of roof damage covered by your insurance will depend on the terms of the policy and the reasons why your roof needs to be repaired or replaced. Many roofing companies inspect a roof for free in the hope of winning business in the future (do not be surprised if they encounter a lot of problems).
Having an old, worn roof can make it harder for homeowners insurance to cover roof damage. Damage from ice dam, such as icicles and ice buildup, is a common hazard on roofs, causing the roof to fall and form barriers around the gutter that can lead to water overflow and subsequent leakage or roof collapse. Homeowners may need additional home warranty coverage for their roof, specifically if they are looking for additional roof protection. If the roof was damaged as a result of any of these covered hazards, the roof is most likely covered by the homeowners insurance policy.
If roof damage is weather-related, your coverage will be determined by the age of the roof and the type of policy you have. With replacement cost coverage, the insurance company is required to replace your roof at the current cost, not just pay what your old roof was worth. If your roofing claim is approved, you will be able to begin working with your chosen contractors to complete the installation of your new roof. An earthquake could also cause the roof structure to separate, the shingles to fall, or even a tree to fall on the roof and damage it.
For example, if a roof becomes so old and wears out that it leaks, the homeowners insurance company may even refuse to renew the policy until the homeowner fixes or replaces the roof. If damage to the roof is considered aesthetic, homeowners insurance cannot reimburse the homeowner for his roof insurance claim. A reputable roofing company will replace your roof properly without causing further damage or charging you an excessive amount. On the other hand, if a homeowner has an old roof damaged by a sudden covered event, such as a windstorm, the insurance company could reimburse the landlord for the actual cash value of the roof.