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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.
Does homeowners insurance cover roof leaks 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 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.
Find out if that pesky roof leak is covered by home insurance. Wondering if your home insurance covers roof leak This article will help explain what’s included. Homeowners insurance may cover a roof leak if it is caused by a covered peril
Suppose your roof is damaged by fire, hail or wind which results in a leak In those cases, your homeowners policy may help pay to repair the roof leak (unless your policy has a wind or hail exclusion) However, homeowners insurance generally does not cover damage resulting from lack of maintenance or wear and tear. Learn when homeowners insurance covers roof leaks, including damage from wind, hail, or falling trees, and when exclusions like poor maintenance apply.
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