Your roof is your home’s first line of defense for keeping the rain out. If it has sprung a leak, no matter how small, your leaky roof needs to be fixed right away to prevent more extensive damage. A question you might have is whether your homeowner’s insurance will cover your repair costs. Not all repairs are covered, so here are a few things you need to know about leaky roofs and insurance.

When Would homeowner’s Insurance Cover a Leak?

Depending on your homeowner’s insurance, damage to your roof may be covered. However, this depends on how the damage was caused. For example, if your roof was damaged in a hurricane by wind, hail, or fallen branches and is now leaking, the repair could be covered.

It is always a good idea to know what perils are covered under your homeowner’s insurance. If hail or wind damage coverage is excluded from your policy, repairs to your leaky roof will need to be paid out-of-pocket. Here are a couple of things to consider about how much will your insurer pay:

  • If your roof damage is covered, you will need to pay your deductible to help pay for the repair.
  • If the leaky roof is on a structure that is detached from your home, like a garage or shed, it may not be covered unless you have “other structures protection.”
  • Your insurer will only pay up to your coverage limit for repairs.

If your roof is damaged in a storm, you need to take steps to prevent further damage to your dwelling as soon as it is safe to do so. Otherwise, your insurer may not cover any secondary damage, including mold remediation. This is when you should contact a qualified roofing contractor to inspect your roof and take steps like tarping the damaged area to minimize water damage.

Insurance Does Not Cover All Repairs for Leaky Roofs

Most homeowner’s policies will not cover repairs to leaky roofs that are related to wear and tear or lack of maintenance. This is because the coverage is meant to cover accidental damage. However, if your roof is still covered under a manufacturer’s warranty and the leaks are caused by a defect in materials or workmanship, repairs might be covered under your roof warranty. Depending on the age of your roof, the warranty coverage could also be prorated.

A sudden or ongoing leak not caused by storm damage will most likely not be covered by insurance. But that does not mean you should not have it repaired immediately. The damage to your home will continue to spread and only continue to become more expensive to repair.

Do not delay in fixing your leaky roof. In Jacksonville, contact StormForce. We are committed to helping you find an affordable solution for repairing your roof. We will work with your insurer if applicable. If not, we can offer you financing solutions if you are eligible.