• Maria Shalack

Are roof leaks covered by my homeowners insurance?



Q&A⁠⁠

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It all depends on the policy. Most insurance policies cover the roof when a name peril on your policy damages the roof (windstorm a tree fell on the roof fire an object hit the roof etc) unless there is an exclusion for the roof.⁠⁠

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If your roof is old and leaking, it will not be covered, it's the famous: wear and tear denial. In many cases, the insurance company denies the roof even though it should be covered.⁠⁠

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The interior damage from a roof leak might be covered, depending on the language of the policy For example, Certain insurance companies (like Citizens, Safepoint or Heritage) state in the policy that the roof has to have a wind created opening for the water damage to be covered, which means the storm opened a hole on the roof. Other carriers (Universal, Lloyds) allow for the water damage coverage even though the roof might not be covered. ⁠⁠

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In summary, policies and claims are complicated, so make sure you hire a knowledgeable Public Adjuster before filing a claim⁠⁠

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Depending how you file the claim, it could cost you the roof!⁠⁠

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#FastClaimHelp

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