if your roof leaks, is it covered by insurance

If Your Roof Leaks is it Covered by Insurance?

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If your roof leaks, is it covered by insurance? If you’re a homeowner, you know that unexpected repairs can quickly become a headache. One common issue that many homeowners face is a leaky roof. A leaking roof not only damages your property, but it can also put you and your family at risk of injury.

You’re in the right place if you’re wondering whether your insurance policy will cover repairing or replacing your roof. Insurance policies can be tricky to navigate, and it’s essential to know exactly what your policy covers to avoid any surprises down the road.

In this article, we’ll examine whether or not if your roof leaks, is it covered by insurance.

Does the homeowner’s insurance cover leaks? 

As a homeowner, you want to protect your investment and keep your property in good condition. However, unexpected problems can arise, such as a leaky roof, which can cause significant damage to your home. That’s where homeowner’s insurance comes in – it’s designed to help you cover the cost of repairs and replacements in case of damage caused by unexpected events.

But does homeowner’s insurance cover leaks? The short answer is that it depends on the type of leak and the circumstances surrounding it. Let’s look at some common scenarios to help you understand what your policy might cover.

Here in North Texas, hail storms are common in the spring. These storms cause a lot of damage to people’s roofs. We offer free roof inspections for both residential and commercial properties.

water damage/restoration
Water damaged home.

Scenarios that are commonly covered by homeowner’s insurance

As a homeowner, it’s essential to understand what your homeowner’s insurance policy covers clearly. While policies can vary depending on the insurer and the specific coverage options you’ve chosen, several scenarios are commonly covered by homeowner’s insurance. Let’s take a closer look at some of these scenarios.


Homeowner’s insurance typically covers fire damage. This can include damage caused by wildfires, electrical fires, and other types. Your policy may cover the cost of repairs, temporary housing, and other expenses associated with fire damage.


Insurance policies for homes often cover theft and vandalism. If someone breaks into your home and steals your belongings or causes damage to your property, your insurance policy should cover the cost of repairs or replacement.

Water Damage

Homeowners’ insurance often covers water damage caused by sudden events such as burst pipes, overflowing toilets, or severe weather. However, if the damage is caused by a leak that has been present for a long time and was not addressed, your insurance company may deny your claim, as they may consider the leak a maintenance issue that you should have addressed.

Volcanic eruptions

While volcanic eruptions are rare in most parts of the world, they can occur unexpectedly, causing widespread damage to homes and properties. The damages could be from the lava flow, ash, or falling debris. In some cases, homeowners may have to evacuate their homes due to the danger posed by the eruption. However, homeowner’s insurance policies that include coverage for volcanic eruption can provide financial relief to homeowners by covering the costs of damages and temporary housing costs.

Scenarios that are not commonly covered by homeowner’s insurance

Termites walking

While homeowner’s insurance can provide valuable protection for unexpected events that cause damage to your property, some scenarios are not commonly covered by homeowner’s insurance policies. Let’s look at some scenarios typically not covered by homeowners’ insurance.


Damage caused by flooding is generally not covered by standard homeowner’s insurance policies. If you live in an area prone to flooding, purchasing separate flood insurance is essential to protect your property.


Damage caused by pests such as termites, rodents, or insects is typically not covered by homeowner’s insurance. It’s essential to take preventative measures to protect your property from pests and promptly address any infestations to avoid costly damage.

Damage caused by intentional acts

Fourth, damage caused by intentional acts or criminal activity is typically not covered by homeowners’ insurance. If you or someone in your household intentionally causes damage to your property or commits a crime, your insurance policy will not cover the cost of repairs or damages.


Standard homeowner’s insurance policies do not typically cover damage caused by earthquakes. If you live in an area prone to earthquakes, purchasing separate earthquake insurance to protect your property is essential.

It’s important to note that not all homeowner’s insurance policies are created equal. Some policies may have specific exclusions or limitations on coverage, so it’s essential to review your policy carefully to understand what is and isn’t covered.

For more information about whether or not water and mold damage is covered by insurance, check out what the Texas Department of Insurance has to say.

What to do if your roof is leaking

If you discover that your roof is leaking, taking immediate action is essential to minimize damage to your property. First, try to contain the leak by placing buckets or containers under the area where the water is coming in. Then, if it’s safe to do so, climb onto your roof to inspect the area around the leak. Look for missing or damaged shingles, cracks, or other signs of damage that could be causing the leak. If you’re uncomfortable climbing onto your roof or need help identifying the leak’s source, contact a professional roofing contractor for assistance. 

Our company offers 24/7 Emergency water and fire restoration services to meet any emergency needs you encounter.

It’s essential to address the issue promptly to prevent further property damage and avoid potential safety hazards. Finally, contact your homeowner’s insurance company to report the damage. They will determine if the repair cost is covered under your policy. You will minimize the damage and ensure your home is protected by taking swift action.

How to prevent future roof leaks?

Preventing future roof leaks is essential to maintaining your home’s integrity and avoiding costly repairs. There are several steps you can take to minimize the risk of leaks. 

  • First, have your roof inspected regularly by a professional roofing contractor to identify any potential issues before they become significant problems. 
  • Second, keep your gutters and downspouts clear of debris to ensure proper drainage and prevent water from backing up and causing damage. 
  • Third, trim any overhanging tree branches to prevent them from falling onto your roof and causing damage.
  • Fourth, promptly address any signs of damage, such as missing or damaged shingles, cracks, or other signs of wear and tear. 
  • Finally, consider investing in a high-quality roofing system to withstand the elements and provide long-lasting protection for your home. 


In conclusion, homeowner’s insurance can provide valuable protection against unexpected events that cause damage to your property. However, it’s essential to understand what scenarios are and aren’t covered by homeowner’s insurance policies. You must ensure you have the right insurance to protect your home. It’s also essential to review your policy carefully and consider purchasing separate coverage for specific risks, such as flooding.

By understanding your coverage and taking proactive steps, you will prevent costly surprises and ensure your home is well-protected for years.