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	<title>New answer on: Does My Homeowners Insurance Cover Roof Leaks?</title>

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		<title>By: David W. Clausen</title>

		<link>https://insurancelibrary.com/home-insurance/does-my-homeowners-insurance-cover-roof-leaks</link>

		<dc:creator>David W. Clausen</dc:creator>

		<pubDate>Tue, 29 Sep 2015 16:42:59 +0000</pubDate>

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		<description><![CDATA[The resultant damage from your leak will likely be covered if it is caused by something other than wear &#038; tear.  Wear &#038; tear is excluded under most homeowners insurance policies.  If lightning strikes the roof and you have an Ho-3 insurance policy, it will cover the damage to the roof and the leak damage.  Always check with your independent insurance agent for specific coverage options that your policy has.]]></description>

		

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		<title>By: David Pipes</title>

		<link>https://insurancelibrary.com/home-insurance/does-my-homeowners-insurance-cover-roof-leaks</link>

		<dc:creator>David Pipes</dc:creator>

		<pubDate>Fri, 06 Jun 2014 15:26:04 +0000</pubDate>

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		<description><![CDATA[There are two parts to this question.  Your homeowner’s policy will cover damage caused by a roof leak if it is the result of a “named peril.”  You should read your policy or consult with your agent to determine if there is coverage.  Frequently there is.  The second part is the roof itself.  If the roof leaked as a result of a “named peril” it could be a valid claim, however, many insurance companies do not replace a roof, rather they pay the “actual cash value” of the roof.  That is the depreciated value of the roof. ]]></description>

		

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