Roof repairs and insurance policies

As a general rule your homeowners policy provides coverage for “sudden and accidental” damage to your property with the exception of a list of exclusions listed in your policy. When it comes to roof leaks the damages caused by the roof leak is covered but the roof repair is not. The roof leak is the cause of the loss, not damaged by the loss. Your homeowner policy is not a maintenance policy or an extended warranty on your house.

Not all roof leaks are the same, if the leak is not the cause but part of the damage then it will be covered. For example if a tree branch fell and damaged the roof or lightning struck the roof and of course a hurricane!

All damages to your home or personal property and even additional costs of living such as hotel or even meals are covered.

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