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Leaky Roof Insurance Claims: 6 Key Decision-Making Questions

November , 2023 | 6 min. read

By Daniel Humphries

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Can I file an insurance claim for my leaking roof?  As the unforgiving, outrageously wet weather here in Southeast progresses, this question is bound to pop up in your mind a time or two, and with heavy rain oftentimes come leaks. Roof leaks rarely occur when you have a little spare cash in your pocket. In fact, most people would say they strike at the most impractical times. Go figure.

If you’re in the majority and don’t have the funds to drop on an expensive roof repair, it’s important to understand your insurance policy. In most cases where there were severe storms, you will most likely be eligible to have the claim approved.

RoofCrafters has been repairing leaking roofs for homeowners like you for nearly 30 years, so when it comes to insurance questions, we’ve heard it all. We can’t stress enough how important routine maintenance is in this situation. Like any other insurance claim, if the damage was caused because of poor maintenance, faulty roof installation, or other faulty repairs, your claim will most likely get rejected.

Well, my friend, we don’t want this to happen to you!  So, in just a few short moments, you’ll learn about making the 6 questions to ask yourself when determining if you should file an insurance claim for your leaky roof, as well as your next steps. Let's get started!

6 Questions to Ask When Determining If You Should File an Insurance Claim for a Leaky Roof



The short answer to this question is yes. However, no matter how much we wish for simple yes or no answers, not everything is black and white when it comes to insurance. Here are a few questions you should consider:

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1. Who or What Caused the Damage?


debris on a flat and shingle roof

If the cause of the leakage was negligence, poor maintenance, or faulty workmanship, you wouldn’t be able to make a claim for a leaking roof. However, if a natural disaster or a fire caused the damage, you can file a claim. It all comes down to the fine print of your insurance policy. So, be sure to read every little detail before signing your insurance policy.

2. What Disasters Won't Insurance Cover?


In most cases, the insurance provider will list the cases where you won’t be eligible for a claim. For example, if hail storms are common in your area of residence, the chances are that you will need separate insurance for hail damage. Most insurance policies usually exclude roofing damages caused by a natural disaster that is common in the area or make the deductible extremely high for these damages. How rude!

3. What is the Cost to Repair/Replace My Roof?


rooftop shot of missing shingles and Jacksonville RoofCrafters truck

Roof leaks can be caused by several factors, such as missing shingles, cracks, holes, or damaged or missing flashing. Once you notice a leak, we recommend you call a roofing expert who can provide a written quote for the repairs or roof replacement needed.

If the cost of the repair is lower than the amount that you have to pay for your deductible, according to your insurance policy, your insurance claim will get rejected. Always call a professional roofing contractor to conduct an onsite inspection and determine the cost of repairs before filing a claim.

4. How Old is The Roofing System?


Insurance policies are more likely to cover a portion of costs if your roof is still within its golden operating years. You know, kind of like us when we were 18. That being said, most insurance policies will not cover the damages for roofs more than 20 years old.

What is your roof’s lifespan? Has it outlived its time? You should call a professional roofing contractor and have an inspection conducted to know whether a new roof is required. If the property’s roof is older than its lifespan, your insurance most likely will not cover the damages.

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5. Can I Claim a Leaking Roof on Insurance?


Strong Connection between Chrome Carabiner and two Red Ropes Symbolising the Insurance_ Selective Focus_

You can, but should you? Filing a claim might sound like a better alternative to paying for an expensive roof repair. However, be wary that homeowner insurance claims will mark your property as a high risk. You may even be charged a higher insurance price because of your previous claims.

In addition to this, it’s also important to remember that when you file a claim if it does not get approved it still goes against you as a claim. So, make sure the repairs that are needed exceed your deductible before filing a claim.

6. Will My Insurance Cover Roof Leaks?


There are different types of insurance coverage options available for commercial and residential property owners. For example, if you have a special form policy, you might get a claim for all roofing damages that are not caused intentionally. In contrast, a broad form policy would exclude scenarios where a roof leak might occur.

However, you will still be able to claim insurance for the damage caused to any other piece of property. So, for example, if the interior of your property is damaged due to a leak, you can still claim insurance for that. A basic form policy, you may not have coverage for any interior damage either. So, it’s better to talk to your policy provider and ask them which policy you currently have to get the correct answer.

Should I Claim My Roof Leak on Insurance?


Once you figure out the root of the damage, claiming a roof leak on insurance can be a crucial step in ensuring that your property is protected against unforeseen damage caused by leaks and water intrusion. It is essential to approach the process with diligence and care to increase the likelihood of a successful claim settlement. Documenting the damage, gathering evidence, and promptly notifying your insurance provider are key steps in the process.

Remember that each insurance policy may have specific terms and conditions, so it is vital to review your policy thoroughly to understand what is covered and what is not. Additionally, maintaining regular roof maintenance and promptly addressing any issues can help prevent future leaks and may positively impact your insurance claim experience. Leaks resulting from poor maintenance, faulty roof installation, or other faulty repairs may be rejected by your insurance policy. 

By following the proper procedures and working closely with your insurance provider, you can mitigate the financial burden of roof damage and ensure that your home remains a safe and secure place for you and your family. If you believe your roof has fallen victim to a pesky leak, be sure to hit the "Schedule an Inspection" button down below, and one of our roofing experts will revitalize your roof back to new as soon as possible!

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Daniel Humphries

As a seasoned RoofCrafters estimator with a knack for understanding the intricacies of construction, Daniel Humphries brings a unique blend of experiences to the table. Having navigated diverse landscapes as a Navy brat, his roots eventually settled in Georgia, a place he proudly calls home. Beyond the world of estimates and client relationships, Daniel finds comfort in the outdoors. Camping, hunting, and fishing are passions that fuel his adventurous spirit!