Will my home insurance policy cover a leaking roof?
UPDATED: Apr 14, 2015
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Asked April 14, 2015
The best way to know this is to contact your insurance provider and know what is covered in your home insurance policy. Many home insurance policies cover roof leak caused due to unpreventable reasons like vandalism or fire. Recently my house undergone through an accidental fire that damaged a part of our roof and with the help of public adjuster west palm beach, we have claimed our insurance.
Answered April 29, 2015 by crystalpatterson
Roof leaks are only covered by your homeowner’s policy if the leak is caused by a covered peril, such as a severe windstorm, a broken tree limb, etc. Otherwise, the repairs will be the responsibility of the homeowner, and the nature of the leak may even be a cause for terminating your insurance policy.
If your roof is leaking because of debris that has built up on the roof, the insurance could cancel your policy due to lack of maintenance. Since part of the insurance contract is your responsibility as a homeowner for things like keeping the home free of debris and keeping dead limbs away from it, failing to do so is grounds for termination of the policy.
The roof is not protected by default. If it is damaged by a covered peril, it will be repaired or replaced, but if the leaks are due to normal age, then the roof is your own responsibility. Furthermore, any interior damages that result from the leaking roof is your problem as well, so it is your own best interest to get the leaks fixed as soon as possible, before your home develops a mold problem or deterioration from being constantly damp.
For most people, it is not even a good idea to bring the leak up with the insurer unless it was caused by a covered peril. Once the insurer is aware of a problem with the home, they will want to perform an inspection to verify that their investment is still a viable one. If the inspection reveals any damages related to the leak, the insurer will give you a request for repairs that must be in place by a specified date or your policy could be forfeit.
Another thing to consider is that, even if the leak is covered, you still have a deductible to be paid. If the cost of the repairs is only a little higher than you’re deductible, then filing a claim will not be much of a benefit. Go ahead and make the repairs yourself and save the expense of a deductible for a time when the cost of repairs is higher and filing an insurance claim will be more helpful.
Answered April 19, 2015 by Anonymous