Does Insurance Cover Roof Leaks?


If your roof is damaged, insurance covers the cost of replacement or repair, right? Unfortunately, it’s not that easy or straightforward of an answer. While most homeowner’s insurance policies cover weather damage, there are a lot of variables that play into what’s covered and how much you’ll receive. Our roof repair and replacement company works with insurance companies regularly and are sharing what you need to know when it comes to your homeowner’s policy and your roof.

Actual Cash Value vs Replacement Cash Value

Before considering what is covered, you’ll want to know what type of coverage you have for your roof. There are two main types of roof insurance: Actual Cash Value (ACV) and Replacement Cash Value (RCV). ACV is generally required for older roofs that are over 20 years old, but they are sometimes chosen by people wanting a lower-cost policy. If a storm causes major damage, you’ll be reimbursed for the actual value after two decades of depreciation and your deductible. RCV means you’ll be reimbursed for the cost of roof replacement minus your deductible.

Because the age of your roof affects insurance payouts, if you have damage, they may determine that any leaks were caused due to age or a lack of maintenance, they may deny your roof insurance claim.

Are Wind and Hail Damage Covered By Insurance?

While every policy is different, roof damage that is caused by high winds or large hail are generally covered by a standard homeowner’s insurance policy in the Triangle area. Separate wind and hail deductibles are becoming increasingly common as they are the most common sources of damage and severity of storms is increasing. Unlike standard flat dollar amount deductibles, wind and hail deductibles may be either a flat amount or a percentage of your home’s dwelling coverage. For example, if your home is insured for $200,000 and your wind and hail deductible is 2 percent, you’d pay $4,000 cash before the insurance company steps in to cover the rest of the roof damage.

Cosmetic or Structural Damage

It’s also important to note that if the damage appears to be minor, like a few damaged shingles caused by high winds or dents after a hail storm, the insurance company may determine damage is cosmetic rather than structural and deny your claim.

Will Insurance Cover Roof Leaks?

This is one of the most common questions, but it’s also tricky. In general, if the leak was covered by a “peril” such as fire, vandalism, tornado, or hurricane, insurance will cover to repair or replace the roof damage. They may cover it if your roof is newer and the damage occurred quickly, meaning there weren’t any signs of damage before hand.

What makes this a challenge is that while you may not have seen any signs of damage, the insurance company could deny the claims because they see that the leak was caused by wear and tear or neglect.

Get the Best Insurance Outcome for Your Roof Replacement

Before you have roof damage, take the time to protect yourself and increase the likelihood of an approved claim with these steps:

  • Take photos of your roof once a year and keep them on hand in case you need a “before” set to compare with any “after” photos if something happens.
  • If your roof is over 10 years old, you should have a roof inspection done annually to see if there is damage.
  • Replace broken shingles or damaged areas.
  • Cut back tree limbs hanging over your roof.
  • Know exactly what’s covered in your policy. If you’re not sure or have questions, call your agent.

If you do need roof repair for storm damage, follow these steps to file a claim:

  • Reach out to your insurance company to verify what is covered.
  • Provide your before and after photos so they can get a clear view of damage.
  • Schedule an appointment for a claims adjuster to come out.

Contact Our Roofing Company for an Inspection

If your roof is older, reach out to us today for a roofing inspection, or, if you’ve already experienced damage, call us to discuss a roof replacement. We have worked with insurance companies and homeowners for several years and can efficiently negotiate the challenges that may come with reimbursement and claims. We serve areas including Raleigh, Cary, Holly Springs, Apex, Garner, Wake Forest, and surrounding areas. To schedule a time for us to come out, call us at 919-961-0666 or fill out the form below.

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