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Homeowners insurance generally covers sudden, accidental roof leaks but won’t pay for problems due to wear and tear But, if your roof is showing signs of damage caused by general wear and tear, insurance typically won’t provide any coverage. Here’s what you need to know.
Wondering if your home insurance covers roof leak Key coverage details if your roof is leaking from the weight of snow or ice, your home insurance policy typically helps pay to repair or replace it after a covered loss This article will help explain what’s included.
Your roof leak might be covered by your home insurance, especially if it’s explicitly stated in your terms and conditions
However, even if your home insurance does cover roof leaks, it will usually only cover certain types of leaks. Water claims can get tricky, so bankrate’s team of insurance experts created this guide on what you need to know about roof leaks and home insurance Does home insurance cover roof leaks? Does homeowners insurance cover roof leaks
Dwelling coverage under your homeowners policy may pay to repair or replace your roof, up to your coverage limit and minus your deductible, if the leak was caused by a covered peril If the roof leak is due to lack of maintenance or wear and tear, homeowners insurance typically won't cover it. Your homeowners insurance won't cover leaks caused by wear and tear or poor home maintenance but it should protect you in most other cases Roof leaks are usually covered by homeowners insurance policies.
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