Does Home Insurance Cover Roof Leaks?
How insurers generally treat storm damage, wear and tear and roof leaks — and how to support a claim.
Storm damage vs wear and tear
Policies commonly distinguish between sudden damage caused by a storm and gradual deterioration. Every policy is different, so always check your own wording or speak to your insurer.
Supporting a claim
Photograph the damage, keep a note of the date and weather, make the property safe and keep receipts for emergency work. Your insurer may ask for a roofer's report.
How we can help
We can make the roof safe and provide a written, photographed report of what we found. We don't decide claims — your insurer does.
Need help with your roof?
Our storm damage service starts with a free inspection and a clear written quote.