This is a terrible situation: If water damage is visible on your walls or ceiling, it’s likely that you have a leaky roof. While it is not always easy to fix a leaky roof, your insurance policy may cover the cost. It depends on what type of insurance you have and the severity of the leak. Also, who is your insurance provider? If you suspect that your roof is leaking, these are the steps to take.
Home Insurance covers my roof leak
Home insurance covers roof leaking when caused by a covered or named peril. In this instance, a “peril” is an event that causes damage to your home and personal belongings due to weather conditions such as hailstorms or fire.
In the event of peril, insurance companies will cover roof damage. A large storm that blows away sections of shingles off your roof is an example of such peril. Your home insurance will cover roof damage caused by water getting into your roof, attic, and walls. Insurance policies cover a wide range of perils and will pay compensation.
Homeowners insurance usually covers roof damage that is not intentional and is swift. But, make sure you check with your agent. These policies usually cover a leaky roof.
- HO-1
- HO-2
- HO-3
- HO-5
- HO-7
- HO-8
What is the Insurance Coverage for Roof Leaks?
Insurance will not cover any roof leak that isn’t related to the period, as well as general wear and tear. As a result, it is common for roofs to begin to leak as they age. Insurance does not cover this type of age-related damage. Many claims are also rejected if they are caused by mold, birds and pests, wet-rot, construction errors, improperly sourced building materials, or general neglect.
There are some home insurance policies that explicitly deny coverage for roof leaks. An HO-8 policy might not cover your roof leak because it covers older, high-risk homes. These homes are most likely to be damaged by neglect or Father Time so there won’t be any coverage for you.
What should I do if my roof leaks?
It’s important to immediately address any leaky roof issues in your home.
- Find the source: If you notice water damage to your ceiling, walls, or light fixtures try to locate the source. KCG Roofing and Carpentry can help you keep your home safe and well-inspected.
- Document the damage: If you find leaking areas, take pictures of the roof and leak to prove it to your insurance company. In this instance, pictures are worth thousands of words. This is where your contractor can assist you.
- Temporary repairs are recommended in case of inclement weather. A small leak can quickly become a major problem. KCG Roofing and Carpentry, a professional roofing company, can keep your roof dry until bigger repairs are completed.
- Contact your insurance company. Providing documentation about your roof leak to your insurance company will help you get started with your claim. Most likely, your agent can guide you through the submission of evidence and making a claim.
What is the cost to fix a leaky roof?
Costs for a leaky roof will vary depending on how severe the damage is and what type of roof you have. The average roof repair will cost about 700 dollars, but they can run as high as a few hundred dollars to several thousand. It is important to assess and treat any damage to the roof’s other parts, such as the chimney or gutters, so that it can be repaired.
*Gutter services can only be offered as part of a roofing project.
How can I protect my roof?
It will save you money in the long-term by making sure your roof is protected. Make sure to inspect your roof after storms and that you don’t fall on roofs with hail or ice.
KCG Roofing and Carpentry has decades of experience in repairing roof problems. You can trust KCG Roofing and Carpentry to take care of your belongings and safety, from small roof leaks to major holes. Call KCG Roofing and Carpentry today to schedule a professional inspection if you are concerned about a leaking roof.
This post was written by a roofing professional at KCG Roofing. KCG Roofing is a premier roofing contractor that does roof repair in Englewood Florida! KCG Roofing has the experience and expertise to replace or repair your roof with quality materials and excellent craftsmanship. All our roofs are backed by a 15-year leak-free guarantee, the highest in the industry. We have been family-owned and operated for over 40 years.
