Does Homeowners Insurance Cover a Leaking Roof?

March 11, 2020 5:43 am Published by Leave your thoughts

If you own a home, it is important for you to be familiar with all of the various stipulations of your homeowners insurance policy in the event disaster strikes. One common question homeowners often have is whether or not roof leaks are covered in their policy. This really depends on the circumstances. While a homeowners insurance policy in Salt Lake City, UT will generally cover roof leaks and other types of damages, there are specific causes of damage that will be expressly excluded by the policy. Essentially, whether or not your roof leak is covered depends on what caused that leak to begin with.

Here’s some more in-depth information for you to consider as you determine your best route for getting your roof repaired.

What to know about insurance coverage

Your ability to be reimbursed for roof leak repairs and any damage to your belongings as a result of the leak will depend on what caused the leak. Most policies will feature what’s referred to as an “open peril” list. Open perils are any type of damage that results from sudden or accidental incidents, unless the cause of the damage is expressly NOT included in your homeowners insurance policy.

Some common examples of these perils include fire and smoke, explosions, riot damage, volcanic eruptions, falling objects, lightning, vandalism, hail, wind, excess weight due to snow or ice, theft, vehicle damage, aircraft damage, accidental discharge of water or steam or accidental discharge of electricity.

Some common examples of hazards that are frequently excluded from homeowners insurance policies include, floods, earthquakes, landslides, mudslides, damage due to insect or animal infestations, mold and fungus, pet damage, damage caused by war or government action, smog, rust, corrosion, foundation settling and general wear and tear or negligence. Some of these hazards (such as flooding and earthquakes) have their own separate policies you should purchase if you’re in a potentially affected area.

Your policy will almost always deny claims that are due to wear and tear that occurred over the natural life of the roof, or leaks that occurred because you failed to properly maintain the roof. It is understood that eventually a roof will wear down after years of use, and in such a circumstance it is your responsibility to take care of the damage however you see fit, be it by repairing the affected area or replacing the roof altogether.

You should always check with your insurance provider if you have any questions about what is or is not covered under your policy, and they will be able to provide you with comprehensive information.

As to whether or not you should file a claim for a roof leak, that also really depends on the situation. You should consider the size of your deductible, the significance of the leak, the costs of repairs and the amount of damage you’ve already sustained. If the repair costs and damages exceed your deductible, then it makes sense for you to file a claim. But if the deductible is higher than the costs, you should probably just pay out of pocket.

For more information about filing a homeowners insurance claim for a leaking roof in Salt Lake City, UT, contact Stubbs Roofing, Inc. today.

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