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?


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

  1. It’s doubtful that they’ll cover it unless wind or hail from the thunderstorm damaged the roofing. If the roof is old it would be hard to prove that the storm caused the damage.

    Homeowners insurance doesn’t cover maintenance to the home just like auto insurance doesn’t cover oil changes.

  2. Your insurance should cover it if you purchased a plan that cover storm damage. I hope you did.. Good Luck! Insurance companies can be a pain! = )

  3. you have to read your policy to see if damage by acts of God are covered…….there may be certain ones that are, but you have to look at your policy.

  4. Only if the bad storm actually caused the damage. If your roof is old and was needing repair or replacement before the storm, they won’t cover it. They will get on the roof and inspect it and can pretty well tell these things. They may cover the cost of the wet spots in the ceiling of the room, but your deductible is probably higher than the cost of that repair. We had roof damage after 3 hurricanes in 2004 and they debated on whether or not they would replace the roof because of how old it was. We proved that it was in good shape before the hurricanes, so ours was replaced. All you can do is try. Good luck to you.

  5. fightingsaints says:

    Under most policies, In order for the insurance coverage to apply for the roof damage, the roof has to suffer “sudden and accidental” damage.

    If the leak is a result of worn out shingles ( a maintenance issue) it will not be covered.

    So unless the storm caused damaged by having a tree branch fall on it or something you will not likely get this covered.

  6. 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.

  7. Dimples_in_NJ says:

    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.

  8. 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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