After a roof leak, the question on every homeowner’s mind is: will insurance cover this? The answer depends on the cause of the leak, your policy, and how you respond. Here’s what you need to know about insurance for roof leak damage.
What Is Typically Covered: Standard homeowners insurance covers sudden and accidental roof damage. If a storm blows shingles off and water enters your home, the repair and resulting interior damage are usually covered—minus your deductible. Covered perils include wind, hail, falling trees, and lightning.
What Is Typically NOT Covered:
- Wear and tear: A roof that fails due to age or lack of maintenance is generally excluded.
- Neglect: If you ignored a known leak and it caused mold or rot, the additional damage may be denied.
- Flooding: Water entering from rising floodwater requires separate flood insurance.
- Improper installation: Damage caused by poor workmanship may not be covered.
How to File a Claim: Document the damage with photos and videos. Keep receipts from any emergency repairs, including the roof repair cost. Contact your insurer promptly. Mitigate further damage (tarp the roof, dry the interior) but don’t make permanent repairs until the adjuster sees the damage. For the steps to take during a leak, see what to do in a roof emergency.
Choosing a Roofer for Insurance Work: Use a licensed contractor experienced with insurance claims. See how to find a licensed emergency roofer. And for reducing your risk of future claims, see roof leak prevention tips.