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Yes, if your roof leaks due to an accident or a covered event, like a severe storm, your homeowner’s insurance will cover the damage. However, home insurance does not typically cover leaks that develop slowly over time because of poor maintenance.

How Do You Know If Your Home Insurance Policy Will Cover Roof Leaks

If you have a home insurance policy, you may wonder if it will cover roof leaks. Unfortunately, there is no simple answer to this question. The truth is that it depends on several factors, including the leak’s cause, the damage’s extent, and the terms of your policy.

That said, here are a few things to keep in mind that may help you determine whether or not your home insurance policy will cover roof leaks:

1. The Cause of the Leak

One of the first things your insurance company is going to want to know is what caused the leak in the first place. In some cases, such as when a tree falls on your roof, the cause will be obvious. In other cases, however, the cause may not be so clear.

Does insurance cover roof leaks? If the cause of the leak is unclear, your insurance company may require an inspection by a licensed professional before deciding. This is because they want to ensure your negligence did not cause the leak.

2. The Extent of the Damage

Another factor that will be taken into consideration is the extent of the damage caused by the leak. If the leak was minor and only caused a small amount of damage, your home insurance policy will likely cover the repairs.

However, if the leak was more significant and caused extensive damage, it’s less likely that your policy will cover the repairs.

3. The Terms of Your Policy

Finally, it’s important to remember that every home insurance policy is different. This means that the coverage for roof leaks can vary significantly from one policy to the next. As such, it’s important to read over your policy carefully to be sure you understand what is and is not covered.

Remember that even if your home insurance policy doesn’t cover roof leaks, you may still be able to file a claim with your homeowners’ association or other organization.

The Bottom Line

At the end of the day, whether or not your home insurance policy will cover roof leaks depends on several different factors. If you’re unsure whether or not your policy will cover the repairs, contact your insurance company to ask.

Customer Reviews
What our customers are saying

Communication and availability throughout the process were incredible. Incredibly pleased with my new roof.

Josh V

We highly recommend Blue Collar Roofers for any of your roofing needs. They are prompt, responsive, attentive and thorough. Their pricing is competitive and their product and installation process is smooth and transparent. Give Taylor or Alex a call for any of your roofing needs!

Kirsten I

I had some roof damage from high winds and I was worried about the potential for more damage due to rain/snow. I called Blue Collar Roofers and spoke with Alex. Alex was great to work with over the phone and sent someone out to assess my roof the very same day. Thankfully I was able to get my roof repaired quickly and the work looks great! Dave did wonderful work! Thank you so much for your great service!

Jill B

Our experience was fantastic. They worked quickly and efficiently and got the work done in a single day and the roof looks amazing. What we appreciated was the transparency of the work that they were doing and any obstacles that came up they immediately communicated with us. Also when they cleaned up the work site it appeared as if they were never there at all. Exceptional work!

Derek L

We highly recommend Blue Collar Roofers! Everyone we worked with throughout the entire process was professional and respectful. They did a wonderful job and they communicated with us at each step of the way.

Thank you Blue Collar Roofers, Crew!

Alana W

We are so happy with our entire experience with Blue Collar Roofers! Right from the start, Chris did a great job walking us through their process and providing a quote. The workers were very professional. The roof looks great and they did a great job cleaning up after themselves. We would highly recommend Blue Collar Roofers to anyone looking to have a roof repaired or replaced.

Katherine B

Blue Collar’s crew was incredibly professional and efficient. Our new roof looks fantastic. And they so thoroughly cleaned the job site that you would never know they were here. Overall, a great experience–I would recommend Blue Collar to anyone in need of a new roof.

Scott L

Blue Collar Roofers did a complete tear-off and installation at our house. They were fast, professional, and communicated well throughout. The roof looks great, and they went above expectations with new venting (for our old house). We highly recommend them.

Timothy M

Blue Collar Roofers were amazing to work with and our new roof is impeccable! They were very responsive at every stage of the process and always professional and courteous. Communication was great and all of my questions were answered quickly and thoroughly. The team of roofers was efficient and tidy and did not leave a speck of waste. I would recommend Blue Collar Roofers to anyone needing a new roof!

Elise B
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Exceptional craftsmanship, honest recommendations and overall dedication to excellence makes us the right choice. Fill out our online contact form for scheduling anywhere across Syracuse, Cicero, Liverpool, Mattydale, Skaneateles, Fayetteville, Baldwinsville, Manlius, North Syracuse & Camillus, NY. Give us a call at (315) 720-6665 or take advantage of a virtual estimate.

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