Does homeowners cover a leaking roof?
No. If it was caused by something happening (tree falling, hail storm, etc), then it would cover it. Deterioration over time will not be covered. If you need to file a claim because something happened to break your roof, then you need to think about this in the long term before filing. Some things to consider: What is your deductible? If it is $1000 and the roof will cost $1200, then filing for the extra $200 is not worth it. Your premiums go up after filing any claim (no matter the reason) by about 30% for years – you will want to consult your policy for the exact amount of time. So do the math and decide before filing. Your agent can also help you decide before filing, your premium wont go up for just talking about it with your agent.
Related Questions
- Wind caused my tree to fall on my house, which caused damage to my roof. Does my homeowners policy cover the damage to my house and pay for the removal of the tree from my property?
- Will homeowners cover a leak from the roof that lets water into the bedroom and damages the ceiling?
- Does homeowners cover a leaking roof?
