Your homeowners insurance policy generally covers roof leaks and other damage to your roof, as long as the. This type of insurance helps cover the costs of home repairs or replacement of parts of your home. Yes, homeowners insurance covers roof leaks if they occur accidentally and suddenly from a covered hazard, such as a storm with high winds or hail. Slow leaks, or leaks caused by lack of maintenance, are usually not covered by homeowners insurance.
Roof leaks are covered by homeowners insurance if they are caused by a covered (or named) hazard. A hazard is a weather-related situation or event, such as a fire or hailstorm, that can cause damage to your home and personal belongings. If your home is damaged by a covered hazard, insurance companies are committed to compensating you for your losses. If the cause of roof leaks is sudden and accidental, it's most likely covered by homeowners insurance.
Small leaks that cost only a few hundred dollars may not be significant enough to warrant filing a claim. Suppose a large windstorm blew up a large part of your roof and a subsequent storm brought water to your attic through the leaking roof. When we talk about the most common homeowners insurance claims, roof damage is high on the list. This is why you need professionals from a reputable roofing company on your side to provide valid roof damage findings, review claims, and advocate for you.
Sometimes the source of the water is not close to where it occurs; roof leaks can leak through the vertical walls between the uprights, exit along a beam, and slowly dampen the roof away from where the leak actually lies. This can be frustrating for the homeowner; if the roof leaks during a storm, it may appear that the storm is the cause of the leak, but if the leak came through a worn flash near a skylight, it may not be. The best home warranties act as service contracts that cover certain repair and maintenance calls after a pre-established service call fee has been paid. You can meet with the Conde Roofing team and get answers to any questions you have about leaks and roof damage.
Many homeowners assume that since the insurance company will cover the cost of roof damage, it means the company will replace the entire roof. As a homeowner, it's important to inspect the roof frequently for damage and to keep the roof free of falling debris. This may also include replacing the shingles in a 10 by 10 foot section of the roof, since a square of the roof is 100 square feet. Sometimes homeowners unknowingly neglect their roof for many years, assuming their insurance company will fix the damage without question.
Of course, the best resource is to do a professional roof inspection to assess leaks and properly document any damage for insurance purposes. Then make as little repairs as possible and start drying the water that has come inside with fans, towels, and wet-dry vacuums.