Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
There are circumstances where Homeowners Insurance may cover the damage caused by water leakage through a roof. It is best to check with your Insurance Professional, of course, about the specific terms and conditions of your policy.
If the roof is compromised or damaged by a covered peril, say a severe windstorm for example, then if rain water leaks in and damages the interior of your home, you will probably have coverage. Likewise, and as was the case again this past winter in CT, if you have interior water damage that is caused by "Ice damming" which is a sever build up of ice forming at the lower edge of your roof, that then forces melted water up under your roofing material, there will also be coverage. These are only two examples, so again talk to your Insurance Professional.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
The damage caused by a leaking roof will probably be covered by your homeowner’s policy. The repair to the roof itself would be covered if it was the result of one of the covered “perils” listed in your policy. If the loss comes from normal wear and tear the policy will not cover the roof repair. The roof is a critical component of a home and the owner should exercise care to maintain it in good condition. Failure to do that could result in cancellation.
Chief Executive Officer, Coastal Homeowners Insurance Solutions, Rocky Point, NY 11778
Good question. In most cases damage from a leaky roof would be covered but the repair to the roof itself would not be covered. Keep in mind that wear & tear is an exclusion from many policies and the insurance company may be able to deny the claim if the loss can be shown to be a result of wear & tear. However, If the roof was damaged in a storm (from a covered peril) than the leak, and the roof repair, would be covered- subject to your policy deductible.
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If the roof is compromised or damaged by a covered peril, say a severe windstorm for example, then if rain water leaks in and damages the interior of your home, you will probably have coverage. Likewise, and as was the case again this past winter in CT, if you have interior water damage that is caused by "Ice damming" which is a sever build up of ice forming at the lower edge of your roof, that then forces melted water up under your roofing material, there will also be coverage. These are only two examples, so again talk to your Insurance Professional.