Does Home Insurance Cover Roof Leaks?

Does Home Insurance Cover Roof Leaks?

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Your homeowners insurance policy generally covers roof leaks and other damages to your roof, as long as the cause of the damage is not specifically excluded by your policy. However, if a leak occurs due to a lack of maintenance, you may have to pay for the repairs yourself.

Before making a claim for roof damage, as with any claim, make sure to consider your home insurance policy's deductibles to determine whether filing a claim makes the best financial sense.

Does homeowners insurance cover roof leaks?

Your homeowners insurance won't cover leaks that were caused by wear and tear or poor maintenance, but it should offer protection in most other cases.

Most roof leaks are covered by homeowners insurance policies. However, whether your homeowners insurance company will reimburse you for the repair of a roof leak — and any subsequent damage to your belongings — depends on the original cause of the leak. Your home insurance policy's declaration page will explain which perils are covered or excluded under your current policy.

Most homeowners insurance policies cover an "open peril" list. These perils typically include, but are not limited to the following.

Perils Covered by Most Homeowners Insurance Policies
Fire and smoke (including wildfires)Damage from riots
ExplosionsVolcanic eruption
LightningFalling objects
Hail and windstormsExcess weight due to snow, ice or sleet
VandalismFreezing of household amenities, such as the AC or heating system
TheftSudden and accidental breaking, cracking or bursting of pipes and other household systems
Damage from vehiclesDamage due to the sudden and accidental discharge of water or steam
Damage from aircraftSudden and accidental damage due to an electrical surge

As a general rule, open perils include any damage resulting from a sudden and accidental incident, unless the cause of that damage is specifically excluded in your homeowners insurance policy. On the other hand, your insurance company will deny any claims filed for gradual wear and tear or your own lack of maintenance.

If a storm knocks down a tree and it puts a hole in your roof, the repairs are likely to be covered. If, however, years of weather have worn down your shingles and your roof springs a leak, you may have to take care of the damage yourself.

Some perils, such as floods, are typically excluded from home insurance policies. Other hazards may be excluded or subject to lower limits based on the risks associated with your area. If you desire coverage for one of these hazards, you can usually add supplemental coverage to your policy in the form of an optional endorsement.

Hazards typically excluded from home insurance policies

  • Earthquakes, landslides and mudslides
  • Floods
  • Damage due to an infestation of animals or insects
  • Negligence and general wear and tear
  • Settling, cracking or warping of your house's foundation
  • Damage caused by your pets
  • War or government action
  • Smog, rust and corrosion

While mold and fungus are typically excluded from standard homeowners insurance policies, they will be covered if they are the result of a covered incident. If mold grows in a naturally damp room, you won't be covered unless you've added an optional mold insurance endorsement to your policy.

However, if the mold is the result of a covered roof leak, your insurance company should also cover mold remediation, unless you've failed to file a claim for that leak in a timely manner.

How your home insurance company can help

Several home insurance companies offer policyholders access to a network of approved and qualified contractors, and working with them could save you money. The contractors typically won't charge for an estimate, and insurers usually provide a warranty for work completed by an approved contractor.

Below, we list some home insurance companies that offer policyholders special access to contractors.

Insurance CompanyHighlight
FarmersAll repairs made in response to a claim come with a five-year warranty.
Liberty MutualPolicyholders have access to a 24-hour emergency home repair service.
AmicaAll repairs receive a three-year warranty and offers assistance with renovations.

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How to find a roof leak

Spotting a roof leak as early as possible is critical for minimizing damage to your home and belongings. Unfortunately, it's not always a straightforward process. Since roofs are typically sloped, it's common for water to enter your home at one part of your roof, only to trickle down to another area where the leak becomes apparent.

The first — and sometimes most difficult — step you should take is to find the source of the leak. Check your roof for any probable points of entry, such as a misaligned shingle, a raised nail, cracks near vent pipes, a misplaced gutter or a crack in the base of your chimney.

If you can't identify the point of entry by looking at your roof, try checking your attic. Search the interior for mold or moisture, or look for wet wood on a rainy day. Alternatively, you can spray your roof with a garden hose to locate the leak. While this may seem counterintuitive, doing this on a dry day will allow you to fix the leak at a time when you control the amount of water that can enter your home. If you still can't find any crack or puncture, it may be possible that the source is a plumbing leak

If you identify a roof leak early, it usually does not require much maintenance to fix. Often, a replaced shingle or rubber sealant will solve the problem. However, if you're uncomfortable doing maintenance on your roof, you should ask a professional to take care of it.

How much does a roof leak cost to fix?

Although repairs could be expensive depending on the scope of your loss, it's a good idea to have a professional examine your home's water damage rather than trying to fix it yourself.

The total cost to repair your leak and any damage it causes depends on the size of the leak, its source and the length of time it exists before you fix it. If you only need to apply a rubber sealant to a leaking vent, your repair could cost under $100.

On the other hand, if you need to reshingle a moderately larger section of your roof, the materials and labor may cost $400 to $700. Significant roof repairs, including new shingles, plywood, cement and metal flashing could cost anywhere from $700 to $3,000. Other factors, such as the danger involved with working around and repairing a skylight or chimney, may also affect your total costs.

Except for the most basic leaks, it's best to have a professional assess your damage and recommend repairs. Performing work on your roof can be dangerous, and while you may feel like you're saving money by repairing a leak yourself, you could end up costing yourself far more if your repairs are inadequate and lead to wood rot or mold damage.

Additionally, if your insurance company realizes that new damage is the result of work you tried to perform yourself, rather than having a professional do the job, they may claim that you're responsible for the damage and deny your claim.

Should you file a claim for a roof leak?

Whether you should file a homeowners insurance claim for a roof leak depends on the significance of the leak, the size of your deductible, and whether you've filed any other claims in the past few years.

Most homeowners insurance policies come with a deductible that costs $500 to $2,500, which you’ll have to pay before you receive any reimbursement from your insurance company. So, if you have a $750 deductible, and the damage will cost only $400 to repair, you wouldn't receive a reimbursement and it makes sense to skip filing a claim.

Additionally, filing a claim may incur a premium increase when you renew your policy, as insurers will view your home as riskier to cover. So unless your repair costs are significantly higher than your deductible, it might cost less over the long term to pay for it yourself.

Daniel is a former Staff Writer at ValuePenguin, covering insurance, retirement and other personal finance topics. He previously wrote about compliance and best practices for K-12 school districts at Frontline Education.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.