The simple answer is yes, they can, but it's usually a supplement, so make sure to talk to an agent if you're not sure what your current coverage is. Generally, an all-risk homeowners insurance policy covers roof leaks based on the cause of the damage. If your roof is damaged as a result of an act of nature, such as a tree falling on your roof or hail damage, there is a good chance that it will be covered by your policy. However, damage caused by wear and tear will not be covered by your homeowner's insurance policy.
Roof leak coverage repairs roof leaks in the occupied living area of a single-family home. A typical home warranty with roof coverage covers isolated cases of age-induced deterioration of the roof, in addition to a variety of major appliances and systems that a homebuyer may be interested in having covered. Most home roof warranties don't cover roof replacement due to high cost, but roof leaks are covered. A home warranty of 2 to 10 year homebuyer warranty (2-10 HBW) can cover your roof as an additional option.
This is especially useful when routine wear and tear causes roof leaks. A home warranty is a service contract that covers specific items, primarily appliances and systems, and the extent of your coverage ultimately depends on the level of the plan you purchase. Be prepared to pay a service fee every time you call a professional to check for a problem with your roof. Unfortunately, unless there is a flood of water in the house every time it rains, many homeowners postpone asking for help because (rightly so) they are intimidated by the potentially huge cost of repairing or being told they need a roof replacement.
Your roof is one of the most fundamental parts of the exterior of your home, providing basic shelter, structural support and, when well maintained, can even increase the value of your home if you ever decide to list it for sale. Interestingly, the most common leaks are caused by flashing or metal drill bits that are used to protect and seal joints in the roof around difficult areas such as ventilation grilles, skylights, and chimneys. Roof damage can occur slowly over time or as a catastrophic event; either way, it can wreak havoc on your home. Below are the specifications for roof leak coverage for companies that offer this type of home warranty coverage.
If you identify any major problems with your roof, hiring a roofing contractor from a reputable roofing company to complete the work will also ensure that your insurance policy stays intact. A homeowners insurance policy insures your home if it is damaged by covered weather-related events, such as lighting, wind, or rain. Cleaning gutters can be a DIY job if your house is one-story (or you're brave and confident on a ladder), but don't try to repair a tile or fill a hole yourself, as it could cost you in the long run voiding your warranty and possibly any coverage your homeowner's insurance has provided. Pipeline leaks due to normal wear and tear on your HVAC system will be covered by a home warranty plan.
Although automatically included in the terms of your standard policy, Select roof leak coverage still has some limitations. Like home warranties, homeowners insurance policies don't cover roof damage that results from lack of maintenance. The House Method line of the best home warranty companies for roof coverage highlights reputable guarantors with fast customer service, competitive pricing, and a fair coverage. .