Does Homeowners Insurance Cover Roof Leaks
Can You File an Insurance Claim for a Leaking Roof in Ogden, UT?
Your homeowners insurance policy might cover sudden, accidental roof leaks. Before you file a roof insurance claim in Ogden or Brigham City, UT, for roof damage or a roof leak, you should review your policy carefully. You’ll want to determine how long you have to file a roofing insurance claim for storm damage, what your storm damage claims insurance covers, and if there are limitations on the type of roofing repairs you can get or the materials your roofing contractor uses. At SRD Roofing, we can offer a fast, reliable assessment of your roof damage so you can file a roof replacement insurance claim.
We have extensive experience helping our customers get the documentation they need when claiming a roof on homeowners insurance. We will do a full roof inspection and give you a written estimate of the cost of roof repairs or roof replacement, so you can use it for your roof insurance claim. We always make sure to only use roofing materials that are approved by the homeowners insurance company. Call us today or contact us online to request a free estimate for roofing repairs or replacement.
Claiming a Roof Leak on Homeowners Insurance
The sooner you file a roof insurance claim for a roof leak, the better chance you have of getting your claim approved and preventing further damage to your roof and home. If you wait too long, you’re putting the safety of your home at risk, and increasing the chances of mold, mildew, and water damage. Your insurance company is less likely to accept a roofing insurance claim for storm damage if you were willing to live with the damage for months. Whether the roof leak will be covered by your homeowners insurance policy depends on what type of coverage you have. Get out your policy or look it up online and review it to see what it says about roof leaks.
When Roofing Insurance Claims for Storm Damage Includes Leaks
Your homeowners insurance policy likely covers roof leaks if they are due to an accidental, sudden event that was out of your control. If your roof leak was caused by a hot tub that you installed on your roof, your policy isn’t going to cover it. If your roof is old and poorly maintained and starts leaking, you can’t file a roof replacement insurance claim. Here’s a look at some scenarios where you can file a roof insurance claim for a roof leak:
- An accidental fire in your home causes roof damage
- A storm knocks a tree or power line onto your roof
- Hailstones or the weight of snow damages shingles, roofing tiles, or the roofing membrane
- Heavy winds blow roofing shingles or tiles off of your roof
Your policy might also cover damage to other parts of your home due to a storm-related roof leak. If the roof leak caused water damage to your walls, floor, and furniture, you can include that in your roof insurance claim. If the roof leak caused mold and mildew growth, your insurance adjuster might allow you to include mold remediation costs in your claim.
Exclusions From Most Roof Insurance Claims for Roof Leaks
Your house is probably covered by an open perils clause in your homeowners insurance policy. This clause means that your roof is covered for damage that isn’t specifically excluded by your policy. That is why most homeowners insurance policies very clearly explain what is excluded. Most exclude:
- Earthquake, landslide, mudslide, and sinkhole damage
- Animal, bird, bug, and pest damage
- Mold and mildew damage
- Neglect, lack of maintenance, and intentional or negligent damage
- Flood damage
- Wear and tear
- Poor workmanship or materials
When You Can File a Roof Replacement Insurance Claim
If your roof leak is bad enough or if it was caused by significant storm damage, your homeowners insurance might require you to file a roof replacement insurance claim. This is because it’s often cheaper for an insurance company to have a whole roof replaced than to repair it in parts and pieces. Review your homeowners insurance policy to see if you have an actual cash value or replacement cost value clause. If your roof is covered by a replacement cost clause, your insurer will pay the entire cost of a roof replacement when the cause of damage is covered by your policy. If you have actual cash value coverage, your insurer will reduce your policy payout based on the age and condition of your roof.
Get Roof Repair Estimates for Storm Damage Claims Insurance
If your roof has a leak or other damage from a storm or sudden, accidental event, you should always file a roofing insurance claim for storm damage right away. Waiting too long will allow your roof to become damaged even more and could affect your insurer’s decision on your roof insurance claim. Call us today or contact us online at SRD Roofing to schedule a free roof repair estimate for storm damage claims insurance in Ogden or Brigham City, UT. We have decades of experience in providing full roofing inspections and assessments for insurance companies.
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