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Written by Laura Berry
Former Insurance Agent Laura Berry

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: Jul 19, 2021

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Does Home Insurance Cover Leaking Roof?

Preventing roof leaks and inspecting your roof usually fall under the responsibility of the homeowner, so it’s rare to find a home insurance policy that covers a leaking roof. However, there are exceptions.

What is covered?

Home insurance policies will typically cover roof damage if it has been caused by unpreventable circumstances. These can include storm damage from hurricanes, vandalism, or a fire. Tornado damage is also covered by many homeowners policies, but you’ll want to read yours to make sure you know what is a covered peril under your specific policy.

Storm damage caused by wind, rainfall, or hail damage may be covered under your policy, but your provider will consider these on a case-by-case basis. Some factors they’ll take into consideration are the age of your roof and if there is considered to be a lack of maintenance where the homeowner could’ve prevented the issue. Poor maintenance could be a reason for a claim for roof damage to be denied.

Will your homeowners insurance cover water damage? Water damage to the interior of your home may also be covered in the event of a leaking roof by your home insurance. You should check your homeowners insurance coverage to see if you are eligible for a water damage claim or if it requires you to purchase additional coverage.

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What isn’t covered?

Normal wear and tear is not covered by a standard homeowners insurance policy. That’s because most insurance companies consider it the responsibility of the homeowner to perform basic roof repairs and inspect for wear and tear so that they can make ample corrections or repairs to the roof. If you have an older, worn roof that wasn’t properly maintained, the chances are not likely for it to be replaced by your home insurance. This could be a real problem in the event of a natural disaster.

Also, mold due to water damage in or around your home may not be covered under your home insurance in a standard policy, but you can often purchase supplemental insurance to have that repaired.

To prevent a leaky roof from causing water damage to a home, homeowners should have their roof checked regularly by a trained professional who can tell you if it’s in need of repairs. Replace your broken or worn shingles on a regular basis and remove any trees around your property that may pose a risk of falling or causing damage to your roof. Many roofing companies or roofing experts can help you with proper home maintenance. Homeowners should bear in mind that with care they can avoid some types of roof damage and having to file a homeowners insurance claim.

If you’re frustrated with the way your insurance company handled a claim about your leaky roof, or if you’re worried you don’t have the coverage you need, give a helpful insurance agent a call. They are sitting by–ready to find you a policy that gives you all of the coverage you need at a price you can afford.

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