Roof Leaks & Homeowner's Insurance

8/23/2018 (Permalink)

Get help in claiming your homeowner's insurance caused by roof leaks.

Many homeowners find out that the damage causing roof leaks is not covered by their homeowner’s insurance. This is often the case unless the roof has been damaged by wind that caused it to leak.

Does Homeowners Insurance Cover Roof Leaks?

What determines whether or not your homeowners insurance covers leaks in your roof, and any resulting damage, is dependent upon what caused the leak. If, for instance, a windstorm, tornado or hail damaged your roof, your homeowners insurance would most likely cover repairs or replacement. But if a maintenance issue like wear and tear is the reason, then you would in most instances be responsible for the costs.

Homeowners need to keep up with their home’s maintenance and day to day repairs. This is especially true when it comes to your home’s first line of defense– the roof. If a tree falls in a brutal storm and careens through your shingles, it’s good to know someone’s got your back to help cover leaks and arising repairs. That’s why it’s important to read over your homeowners policy and seek advice from your insurer so that you know what’s covered by your homeowners insurance.

How to Spot Roof Leaks

Spotting a roof leak early on could prevent more extensive repairs like water damage to your ceiling and mold growth in your insulation. However, finding the roof leak’s point of origin may prove difficult — sometimes even more so than fixing the leak itself. That’s because water will often infiltrate the roof in one location but trickle down to another location, where it starts to dampen the ceiling and walls.

If you find yourself in this position, please call SERVPRO of Mt. Laurel/Moorestown today for help.