At Midwestern Construction, we are often asked about what insurance will cover following a storm. When you turn to our home restoration contractors for storm damage, we provide a service writer to help you understand your claim process and represent you as a contractor to ensure all damaged parts of your home are included in your damage report. A common question we hear is, are roof leaks covered by insurance? The answer is probably, but it depends. Here’s what you should know about roof leaks and your insurance coverage.
Most homeowner’s insurance policies cover roof repairs, but whether or not a leaking roof will be covered depends on the circumstances. If a storm or heavy winds cause damage to your roof or causes shingles to blow off, your insurance policy will most likely cover repairs. This is because insurance typically covers roof damage caused by something unavoidable like a storm.
If you have a roof leak that is caused by neglect because you did not perform maintenance or you could have avoided the damage if you had exercised more care, there’s a good chance your policy will not cover the leak.
You can expect your insurance company to send an inspector to verify the details of your claim. If the damage is found to be caused by age, normal wear and tear, or poor maintenance, a roof leak will not be covered.
The Age of Your Roof Matters
Many policies consider the age of your roof when you make a claim for roof repairs or replacement. If your roof is less than 10 years old, your policy may reimburse the full cost of repairs or replacing a damaged section. If your roof is more than 10 years old, you may only be covered for the depreciated value of the damaged roof, which takes into account age and wear. In some areas, it’s common for policies to only cover the full repair or replacement cost up to the depreciated value, even if your roof is fairly new. While many insurance companies consider the age of your roof, others cover the full cost of replacement or repairs regardless of your roof’s age.
Maintenance to Perform to Get Roof Claims Approved
The easiest way to get a claim for roof damage denied? Failing to maintain your roof. Even small problems like a build-up of pine needles that allows water to pool and contributes to a leak will be grounds for a denial of your claim. Here’s the maintenance you should be performing to ensure your claim will be approved if you ever suffer a roof leak or storm damage.
- Inspect your roof at least once or twice a year.
- Keep debris to a minimum. This may require going on the roof to remove a buildup of leaves and sticks that keep water from draining.
- Your roof needs to be replaced once it reaches the end of its lifespan. If your shingles are brittle, curling, or have lost most of their granules, insurance will not approve a damage claim.
- Make sure your gutters are cleaned regularly. Clogged gutters can cause roof damage and leaks.
- Take pictures of your roof at the start of the season so you can provide a recent “before” photo to the insurance company. This can help show that your roof was in good condition and any damage was caused by an unavoidable incident.
Dealing with roof damage? Contact the roof repair contractors at Midwestern Construction to restore your roof and get expert assistance with the insurance claims process.