Will Homeowners Insurance Cover Roof Leak?
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Perhaps it will yes, but it is a good idea to talk with your Insurance Professional about the specific terms and conditions of your policy. Generally speaking if you suffer water damage in your home as a result of a roof leak caused by wind driven rain or if a tree falls on it and breaks through during a storm, or due to winter ice damming to use three examples, then you would more than likely have coverage subject to your policy deductible.Answered on May 29, 2014flag this answer
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaAny damage to the residence caused by one of the named perils is covered. When the incident is sudden it is generally assumed to be covered. If it is a long term, slow leak there might be some concerns about proper maintenance. Recovery on the roof itself will probably be restricted to actual cash value at the time of loss. This restriction is frequently in an amendment to the policy. The damage to the interior is treated in accordance with policy provisions.Answered on May 30, 2014flag this answer
21750 POINTSview profileJim WinklerCEO/Owner, Winkler Financial Group, Houston, TexasThat is a great question! The best answer is to contact your insurance agent, and have them explain to you in detail what is, and is not covered, and to what extent. There are some things that they will cover, and some that they cover when clauses are added, so it's important to know for sure. In most cases, it should be. Thanks for asking!Answered on May 30, 2014flag this answer
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