Can I Claim a Leaking Roof on Insurance?

RoofCrafters: The one-stop solution to all your residential and commercial roofing needs.

Can I claim a leaking roof on insurance? This question has popped up in almost every residential and commercial property owner’s mind the minute they discover their leaking roof. Severe storms often produce wind driven rain and hail that can cause a leak in your roof,  but would insurance cover this damage? Let’s find out!


Like any other insurance claim, if the damage was caused because of poor maintenance or faulty roof installation or other faulty repairs, your claim will most likely get rejected. However, in most cases where there was severe storms you will most likely be eligible to have the claim approved.


Before filing a claim, you can evaluate the condition of your roof and try to conclude the reasons for leaking. This will help you make a solid case with the homeowner insurance provider. In addition to this, you can also hire a roofer who understands insurance policies and the entire claim process. They can help you with the documentation and the filing process from start to finish. Ready to get started?


Also Read: Is a Leaking Roof Covered by Insurance?

Roofing Fact: 86% of roof leaks are caused by improper installation. And the average roofing contractor goes out of business in less than 3 years!

Let’s take a look at all the possible steps you can take before filing for a claim, to ensure your case gets approved by your insurance providers.


Can I Claim a Leaking Roof on Insurance?


The simple answer to this question is yes. However, no matter how much we wish for simple yes or no answers, not everything is black and white when it comes to insurance. Here are a few things you can check to answer the question, “can I claim a leaking roof on insurance?


1. Who or What Caused the Damage?


If the cause of the leakage was negligence, poor maintenance, or faulty workmanship, you wouldn’t be able to make a claim for a leaking roof. However, if a natural disaster or a fire caused the damage, you can file a claim.


It all comes down to the fine print of your insurance policy. So, be sure to read every little detail before signing your insurance policy.


Also Read: Does Homeowners Insurance Cover Roof Repair?

2. Are Any Natural Disasters Not Covered by Insurance?


Yes, in most cases, the insurance provider will list the cases where you won’t be eligible for a claim. For example, if hail storms are common in your area of residence, the chances are that you will need separate insurance for hail damage.


Most insurance policies usually exclude roofing damages caused by a natural disaster that is common in the area. Or make the deductible extremely high for these damages.

What Does Roof Storm Damage Look Like

3. What is the Cost of Roof Repairs or a Roof Replacement?


Roof leaks can be caused by several factors, such as missing shingles, cracks, holes, or damaged or missing flashing. Once you notice a leak, we recommend you call a roofing expert who can provide a written quote for the repairs or roof replacement needed.


If the cost or the repair is lower than the amount that you have to pay for your deductible, according to your insurance policy, your insurance claim will get rejected. Always call a professional roofer to conduct an onsite inspection and determine the cost of repairs before filing a claim.

4. How Old is Your Roofing System?


Insurance policies are more likely to cover a portion of costs if your roof is not that old. However, most insurance policies will not cover the damages for roofs more than 20 years old.


What is your roof’s lifespan? Has it outlived its time? You should call a professional roofing contractor to know whether a new roof is required. If the property’s roof is older than its lifespan, your insurance most likely will not cover the damages.


If you’re unsure, you can call RoofCrafters to inspect the damages and help you file your insurance claim.

6. Can I Claim a Leaking Roof on Insurance?


You can but should you? Filing a claim might sound like a better alternative to paying for an expensive roof repair. However, homeowner insurance claims will mark your property as a high risk. You may even be charged a higher insurance price because of your previous claims.


In addition to this, it’s also important to remember when you file a claim, if it does not get approved it still goes against you as a claim. So, make sure the repairs needed exceed your deductible before filing a claim.


7. Will The Insurance Cover Roof Leakage?


There are different types of insurance coverage options available for commercial and residential property owners. For example, if you have a special form policy, you might get a claim for all roofing damages that are not caused intentionally.


In contrast, a broad form policy would exclude scenarios where a roof leak might occur. However, you will still be able to claim insurance for the damage caused to any other piece of property. So, for example, if the interior of your property is damaged due to a leak, you can still claim insurance for that.


A basic form policy, you may not have coverage for any interior damage either. So, it’s better to talk to your policy provider and ask them which policy you currently have to get the correct answer.


Also Read: Is a Leaking Roof Covered by Insurance?


8. How to File an Insurance Claim for a Leaking Roof?


Follow all the steps mentioned above; be sure to check the cause of the leak, get an estimate of costs you will have to bear, and read the fine print of your insurance policy. In addition to all of this, it will also prove beneficial if you took photos of the damage or have your roofer take the photos.


The photos will help determine the extent of the damage and how much of the roof needs to be repaired or replaced.

Did you know that 86% of roof leaks are caused by improper installation?

Concluding Thoughts


We hope we’ve helped answer the question, “can I claim a leaking roof on insurance?” If you’re still unsure about insurance policy and coverage, contact RoofCrafters for help. We have more than 28 years of experience in assisting clients with their insurance claims.

Ready to get started?
Talk to one of our Roof specialists.                Schedule Free Inspection Now