Does Homeowners Insurance Cover Roof Leaks From Rain?

Jan 16, 2020

Roof Leaks and InsuranceIf you noticed your roof leaking during a recent rainstorm, don’t despair – there may be good news! In most cases, your homeowners insurance will cover the cost of the repair. As long as the damage was caused by a sudden and unexpected event, you’re covered. For example, you’ll be covered if a tree crashed through your roof or high winds ripped off some of your shingles. However, there are some scenarios in which you may be on the hook for paying for the repair.

Was the Damage Preventable?

If your insurance company determines the roof leak was caused by preventable damage, they may not cover the cost of the repair. For example, if the roof leak happened because of wear and tear or due to a hole that was never repaired, your insurance company may not accept your claim.

This is why it is crucial to perform regular roof maintenance to ensure your roof is functioning in top condition. Some of the maintenance tasks you should be doing regularly include:

  • Inspecting your roof to make sure there are no missing or damaged shingles
  • Trimming any branches that are hanging close to your roof
  • Replacing the sealant as needed
  • Regularly cleaning the gutters

Roof Replacement Services From Byers

Is your roof showing wear and tear? Are you having to constantly perform roof repairs for missing or cracked shingles? If so, it may be time for a roof replacement, which is something the team at Byers can provide for you. We offer roofing systems from leading manufacturers – GAF® and Owens Corning® – and our installations are performed by factory-certified craftsmen. Contact us today to learn more.