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As a property owner, roof leaks are a real nuisance. While patching the leak can be stressful enough, you don’t want the added strain of your insurance claim being rejected. So, it’s good to know if home insurance covers roof leaks before applying for a new policy or filing a claim.

While many home insurance providers cover damage caused to the roof of your house, not all leaks are covered. Whether your claim will be accepted or denied often depends on the cause of the damage.

What is homeowners insurance?

A homeowners insurance policy is a contract between you and your insurance company that covers you in a bunch of different situations. It protects you and your home if bad luck leaves you recovering or repairing the damage. Lemonade homeowners insurance policies (sometimes called HO3 policies) cover open perils for dwelling coverage and named perils for contents coverage—things that may happen to your stuff, including fire, lightning, windstorm, hail, smoke, vandalism, theft, freezing, damage from aircraft or vehicles, and riots, to name a few.

How Insurance Companies Typically View Roof Leaks

When talking about the most common homeowner’s insurance claims, roofing in Rockford IL damage is high up on the list. Unfortunately, not all claims are valid or paid out.

It is likewise vital to note that not all insurance companies pay to the same degree. Most roof leaks are covered by homeowners insurance as long as the root cause of the leak is included in the “open peril” list of the insurance policy.

The insurance company will not reimburse the repair cost if the cause of roof leaks is from natural wear and tear or lack of maintenance on your part.

It’s important for homeowners to get roofing in Rockford IL inspections often, particularly after major storms or natural disasters, to accurately align the roof damage to open perils and not roof care neglect. Otherwise, insurance companies will question the legitimacy of any claims. If you have multiple inspections and documented maintenance records, any claims you file will have a much higher chance of approval.

When roof leaks are covered by homeowners insurance

Here’s the general rule: Roofing in Rockford IL leaks are covered when they’re caused by sudden, accidental events. If your roof leaks because of a fallen tree, windstorm, hail damage, vandalism, or weight of ice, sleet, or snow, you’re covered.

Let’s say a windstorm blows through, and lifts your roofing shingles on your house, causing rain to leak into your home. Your homeowner’s insurance would cover you, since this is a sudden, unexpected occurrence, and is named in your policy’s list of named perils.

BTW, by ‘covered,’ we mean your homeowner’s insurance will help reimburse you for damages to your roof itself, as well as any damages to furniture, appliances, systems, etc. that were caused as a result of the roof leak (minus your deductible, of course).