Does homeowners insurance cover roof leaks?
Whether or not homeowners insurance covers leaks in your roof, and any resulting damage, depends on what caused the leak. If, for instance, a windstorm or hail damaged your roof, your insurance would likely cover repairs or replacement. But if a maintenance issue like wear and tear is the cause, then you’d likely be responsible for the costs.
Being a homeowner means being mindful of repairs, especially when it comes to your home’s first line of defense — the roof. If a tree falls in a brutal storm and careens through your shingles, it’s good to know someone’s got your back to help cover leaks and resulting repairs. That’s why it’s important to read over your homeowners policy and consult your insurer so that you know what’s covered by your homeowners insurance.
How to spot roof leaks? Spotting a roof leak early on could prevent more extensive repairs like water damage to your ceiling and mold growth in your insulation. However, finding the roof leak’s point of origin may prove difficult, sometimes even more so than fixing the leak itself. That’s because water will often infiltrate the roof in one location but trickle down to another location, where it starts to dampen the ceiling and walls.
But don’t worry just yet ! We’ll offer some useful tips that could help you track even the most crafty leaks.
1) Look for roof penetrations
2) Check the attic
3) Investigate insulation
After you’ve found the Leak:
If you have any questions about water damage or any other type of restoration service, feel free to contact American Emergency Restoration and Reconstruction Services at 949-800-5367.