Will homeowners insurance pay to fix a leaky roof following a bad rain storm?

I plan on calling the insurance company tomorrow, but before I do, I thought I’d ask here first, just out of curiosity, to see if this is generally a covered expense or not (and if it isn’t normally covered, if there are ever exceptions to allow something like this.)

A bad thunderstrom blew through, and following this a leak y wet spot developed the ceilings in one of the rooms. Not bad, but definitely coming through the roof, and definitely something that needs to be repaired.

Should I expect homeowners to cover something like this?

thanks.

8 thoughts on “Will homeowners insurance pay to fix a leaky roof following a bad rain storm?

  1. Well, it will depend on what caused the roof to leak. If it’s just old and needs to be replaced, many times the roof itself isn’t covered, but the water damage is. ROT damage to the inside, if it’s been long term and is just showing up now, is NOT covered. Ever.

    Some companies are starting to exclude ensuing water damage from maintenance issues.

    In other words, without reading your policy, I have no idea.

  2. Depends on the root cause of the accident. Homeowners insurance intent is to cover episodes which caused the leak itself… Tree falling on the roof, hail etc… It does not cover natural degeneration from a thunderstorm.

  3. You need to contact the insurance company right away if you plan to make a claim. The claims adjuster will inspect the damage and determine its source. If a tree limb fell and pierced the roofing, or if wind tore up some shingles, creating a leak, then your policy might cover the damage. If the leak is the result of aging materials or lack of maintenance, probably not. If the roofing was installed improperly, you might be able to go back to the installer to see if they guarantee their work and, if so, for how long.

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