Will homeowners insurance cover roof leaks?

NOTE: Coverage varies by policy, so it is very important to review your specific policy.

Roof leak coverage depends on the terms of your specific coverage and what caused the damage, not just the fact that there’s a leak. Insurance may help when a covered event, like wind or hail, damages the roof and lets water inside. Leaks caused by normal wear and tear or missed maintenance are typically not covered. 

Roof leaks are usually covered if:

• Wind damages shingles
• Hail hits and damages the roof
• A tree limb falls onto the roof
• Fire damages roofing materials

Roof leaks are not usually covered if: 

• The roof is old or worn out
• Routine maintenance wasn’t kept up
• The roof was installed incorrectly
• Damage happens slowly over time

Tips to help prevent roof leaks:

• Have your roof inspected once a year
• Fix damaged shingles as soon as possible
• Keep gutters clean and clear
• Trim tree branches away from the roof

Reviewing your policy details is essential before assuming coverage. If you have a Bamboo policy, feel free to reach out to us at (833) 922-6266 to ask about roof leak coverage on your policy.