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What You Need To Know About Your Leaky Roof & Insurance

For homeowners dealing with a leaky roof, the first thing which comes to mind is to contact the insurance company and file a claim. While insurance will cover many issues you may encounter, it doesn’t cover everything, and it’s important to understand the stipulations involved for covering roof leak repairs. Take a few moments to learn more about what tends to cause a roof to leak and what most insurance policies will cover.

Common Roof Leak Causes

If you suspect you’ve got a leak coming from your roof, contact a trusted roofing company right away to pinpoint the problem and begin repairs as soon as possible. An unaddressed roof leak can end up costing you thousands down the road. Any number of events can occur causing damage to your roof, but there are a few common culprits homeowners see more often than others. Some of the more common causes of roof leaks include:

  • Damaged Flashing
  • Severe Hail Damage
  • Standing Water
  • Clogged Gutters
  • Poor Seals on Skylights
  • What Home Insurance Covers

Many forms of homeowners insurance will cover the cost of roof leak repairs so long as the damage is caused by a peril included in the contract. If it’s determined the damage to the roof was caused by severe hail damage, wind or another “covered peril” most insurance will help pay for the repairs. Some insurance policies come
with specific exclusions to hail or wind damage so it’s important to discuss those details with your provider.

What Insurance Doesn’t Cover

Damage to the roof caused by lack of maintenance or unaddressed issues which have gone on for some time will likely not be covered by insurance. For this reason, scheduling regular roof inspections is a good idea, especially following an event like severe rain or a hail storm. It’s equally important to file claims quickly as waiting too long may disqualify homeowners from coverage.

If you’re needing help with leaky roof repairs in Norwood, contact O’LYN Roofing today. Schedule your next roof inspection or receive a free quote for the damage in need of repair. O’LYN Roofing has received several awards for their superior service including the 2013 Angie’s List Super Service Award and the Owens Corning Spirit Award. With over 40 years of experience, O’LYN Roofing is dedicated to providing quality, long-lasting roofs using the best sustainable methods today.