Leaking Roof? Here’s What You Need to Know Before Filing an Insurance Claim

Weather events can wreak havoc on your roof, and many homeowners will find the need to file an insurance claim for a leaking roof.

Utah’s spring is upon us, and with it comes rain, hailstorms, and high winds. Does your homeowner’s insurance cover roof leaks and water damage? How much will it cost you? There are a few important factors you need to know before you file that claim.

Homeowner’s Insurance and Roof Leaks

The good news is that many homeowner’s insurance policies cover roof leaks and any related water damage. Leaky roofs are typically the result of a storm creating a hole or other place where water can enter your home. Some of the most popular causes of roof damage that are covered in insurance policies include rain, snow, hail, high winds, and trees falling on your roof.

Every insurance policy is different and will include different coverages and exceptions, so it’s important to read the fine print of your particular policy to be sure you fully understand your coverage.

Cause of Damage is Important

An insurance claim for a leaky roof might be denied if the insurance adjuster deems that the damage was preventable. Preventable damage would include anything that might have been prevented if the proper care and roof maintenance had been performed.

The key to a successful insurance claim in proving that the damage was caused by a sudden, unexpected event that could not have been prevented. It’s a good idea to hire a roofing expert to evaluate your roof in addition to the insurance adjuster to make sure the proper cause of the leaking roof is identified.

Expect to Pay a Deductible

Many insurance policies include a deductible and a coverage limit. These numbers are determined when you set up your policy, and they can be adjusted with the changes being reflected in your premium. If you file a claim against a leaky roof, the deductible is the amount you will pay before your coverage kicks in, and the coverage limit is the highest amount your insurance company will pay toward repairing your roof.

The Roof Doctor is Here

The expert team at The Roof Doctor can help you through the process of making an insurance claim, as well as help repair or replace your roof. Our roofing specialists will take note of any problems and the cause of the damage to ensure the claim is filed correctly.

We serve the following cities in Utah: Salt Lake City, Tooele, Ogden, Layton, Bountiful, Orem, Provo, and everywhere in between! Contact us today for all of your roofing needs!

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