Does Homeowners Insurance Cover Roof Leaks?

Whether homeowners insurance covers a roof leak depends on the cause. Sudden storm damage vs. wear and tear, and how to document a roof claim.

By [author name, role] · Updated [date]

Short answer: Homeowners insurance usually covers roof leaks caused by sudden, accidental damage, such as wind tearing off roofing or a fallen tree, and usually does not cover leaks from age, wear or lack of maintenance. Your policy wording decides, so check it and document the damage with photos right away.

In this guide

What to do after a roof leak

What to do after a roof leak

Protect the home
Contain water; arrange a temporary repair.
Document
Photos and video inside and on the roof.
Call your insurer
Ask about coverage and deadlines.
Get a roofer's report
We provide photos and a written assessment.

Get an answer for your roof

Every roof is different. Call (347) 888-9591 or request a free estimate. Related services: Roof Leak Repair · Emergency Roof Repair.

Frequently Asked Questions

Will insurance cover a 10-year-old roof?

Age alone usually does not decide coverage; the cause of damage does. Some policies pay depreciated value for older roofs. Check your policy.

Have a leak or a roof question? Talk to a roofer today.

Open 7 days, 7 AM–11 PM. Free, no-obligation estimates.

Call (347) 888-9591 Request an Estimate