Does Your Homeowners Insurance Cover Roof Leaks?

Roof leaks can be one of the largest expenses a homeowner has to address.   But does homeowners insurance cover a roof leak?  The answer is Maybe.  Insurance coverage depends on the reason for the roof leak.

 

Leaks can be caused by several reasons.  Some of the most common reasons for a leaky roof in southern Arizona are:

  1. Damage from Monsoon storms.  With our strong summer monsoons comes high winds and even hail.  High winds can rip shingles loose and expose the roof to leaks.  Hail can crack both shingles and flat roofs, creating divots that can allow water to stand and penetrate your roof.
  2. Tree Damage – High winds can cause limbs to break and fall on the roof, resulting in cracked shingles or even puncture the roof.
  3. Aging Shingles or Flat Roof Coating – As roofs are subjected to the intense UV rays of the Arizona sun, they deteriorate over time. Cracks and blisters can occur which can allow leaks.

 

When it comes to insurance coverage, the general rule is damage from storms, wind and actions beyond the homeowner’s control will be covered.  With regular maintenance issues like wear and tear, the cost of repairs will more than likely be the homeowner’s responsibility.  Consulting a reputable insurance agent is the best way to determine what is and isn’t covered.

 

Either way, it’s important for homeowners to be proactive when it comes to identifying potential leaks.  When caught early, a damaged roof may be repaired before major damage is done.  Looking for roof penetration doesn’t always mean a drip inside.  It can appear as a stain either on the ceiling or wall.  It might even appear near a wall outlet, roof vent, chimney or skylight.

For homes with an attic, inspect the attic with a flashlight.  Look for damp spots in insulation or signs of mold growth.  Mold thrives off moisture and means water is getting inside the attic.  Use caution when moving around the roof and when handling insulation.

Having a licensed, bonded and insured roofing company, like Crest Contracting Roofing Division in Tucson Arizona , do a complete roof inspection can help identify any potential issues early.