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Are Roof Leaks Covered by Insurance?

Are Roof Leaks Covered by Insurance?

A seemingly small roof leak can lead to big damage. When you notice a leak in your roof, act sooner rather than later. Early intervention can reduce water damage and protect the structural integrity of your roofing.

Before you run to file an insurance claim for your roof, educate yourself on your options. This guide from McLean Roofing and Siding will point you in the right direction.

The Cause of the Leak Determines the Coverage

Some roof leaks are covered by insurance, but not all. If the leak is the result of general wear and tear, your insurance likely will not cover the replacement. If the leak is the result of storm damage, fire, a fallen tree limb, or another “Act of God,” your insurance may pay for some or all the repairs.

Think of your home insurance much like your car insurance. The car insurance isn’t going to pay for new tires when the originals wear down, but it may cover broken rims from a collision. If your roof is leaking because it has reached the end of its lifespan, you will most likely be responsible for repair costs.

How to Find out If Your Roof Damage Is Covered by Insurance

Not sure if your roof leak is from sudden damage or external wear? You can contact a licensed roofer to conduct a roof evaluation. They can pinpoint the potential source of the problem and determine if an insurance claim will be an option for you. You could also reach out to your insurance company to have them send an assessor out, but they will be inclined to say the damage is not covered. A trustworthy roofer will tell you the whole truth to help you make an informed decision.

Will I Need a New Roof Because I Have a Leak?

Some roof leaks can be patched and repaired, while others require more extensive repair solutions. If your roof is approaching the end of its life, it may be less expensive in the long run to replace it now instead of patching and then replacing it. Your roofer can evaluate the extent of the damage and the condition of your roof to personalize a repair plan for you.

McLean Roofing and Siding can work with your insurance company to reduce your out-of-pocket expenses when applicable. Contact us at (248) 524-1111 to schedule a roof leak evaluation.