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Homeowners insurance generally covers sudden, accidental roof leaks but won't pay for problems due to wear and tear Find out what's covered, what's not, and how to make a successful claim. Here's what you need to know.

A leaking roof can quickly escalate from a minor annoyance to a major home repair Is this covered by my insurance? the answer If you're asking, my roof is leaking—is it covered by insurance? you're not alone

Many american homeowners face this question, especially after storms or unexpected damage

This guide explains when homeowners insurance will cover a leaking roof, breakdowns by cause, what to expect from your policy. Wondering if your home insurance covers roof leak This article will help explain what's included. Find out if that pesky roof leak is covered by home insurance.

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.

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. Does home insurance cover roof leaks

It depends on the situation If the damage to your home's roof is caused by a covered loss, like the weight of snow or ice, your homeowners insurance policy will typically help cover costs. 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.

A leaky roof can be more than just a drip—left unchecked, it can cause serious damage to your home's structure, your belongings, and even your peace of mind

One of the first questions homeowners ask when discovering a leak is

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