If the roof leak was the result of a covered peril, dwelling coverage under a homeowners policy could pay for repairs or replacements up to your coverage limit and minus your deductible. Typically, homeowners insurance will not cover the issue if it was caused by wear and tear or lack of maintenance. It is, however, possible for insurance to cover damage to your personal belongings that resulted from a leaky roof.
When Will Homeowners Insurance Cover Roof Leaks?
Here are some commonly covered perils that may cause your roof to leak:
- Lightning.
- Wind.
- Hail, ice, snow, or sleet.
- Falling objects, including trees.
- Fire.
If the leak results from any of the above issues, repair or replacement costs will most likely be covered by your policy.
How Does Homeowners Insurance Cover Roof Leaks?
In the event your roof is leaking or damaged due to a covered peril, homeowners insurance can help you in the following ways:
- Personal property coverage: This can pay to repair or replace personal belongings damaged from the leak. It will be covered up to your coverage limit and minus your deductible.
- Dwelling coverage: This can be used to pay for replacements and repairs of the leaky roof.
- Loss of use coverage: If you are unable to live in your home due to leaks or damage, this coverage may pay for groceries and lodging.
- Other structures coverage: This can cover repairs or replacements of any leaky roof of a gazebo, unattached garage, tool shed, or guest house.
Will Homeowners Insurance Cover Water Damage Caused By A Leaking Roof?
It’s no secret other elements of your home could be in danger whenever a roof is leaking. If a covered peril caused the roof leak, homeowners insurance can cover the replacements of things like furniture, walls, floors, or ceilings that may have been impacted.
If the leak results in mold growth, homeowners insurance may pay for the mold damage, up to your coverage limit. It could cover remediation, as well.
How To File A Claim For A Roof Leak
Always make sure to document the damage as soon as your environment and everyone inside the home is safe. Take photos and videos of the damage, at this time. It is possible your insurer will have a claims adjuster assess the damage and verify the loss prior to providing coverage.
Residential & Commercial Roofing Services By Roof Pros Dallas, Inc.
If you are searching for commercial or residential roofing services in Addison, Arlington, Dallas, Fort Worth, Garland, Mesquite, or Plano, TX, Roof Pros Dallas, Inc. is here for you! You can trust the reliable repair service and high-quality materials we use for each and every project. From a small roofing repair to a complete replacement, the team at Roof Pros Dallas, Inc has you covered! Contact our experienced team today!
