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Started By
Message
Does homeowners ins typically cover a roof leak?
Posted on 8/13/16 at 3:11 pm
Posted on 8/13/16 at 3:11 pm
Curious
11
Posted on 8/13/16 at 3:12 pm to doya2
It should ... flood is "rising water" so I would assume YES to your question. That said, assuming has gotten me into trouble before.
Posted on 8/13/16 at 3:13 pm to doya2
Yes.
Posted on 8/13/16 at 3:13 pm to doya2
Mine does.
Posted on 8/13/16 at 3:13 pm to doya2
Mine did, 20 years ago. Insurance isn't the same now. Your agent would know better than this board, though.
Posted on 8/13/16 at 3:13 pm to doya2
Yes, but the cause of the leak may not be.
Posted on 8/13/16 at 3:15 pm to doya2
Yes
Posted on 8/13/16 at 3:17 pm to doya2
depends on your policy, typically homeowner gets very little from the insurance company after your deductible is subtracted from the total value of your damages...
Posted on 8/13/16 at 3:17 pm to doya2
What will help a lot of folks is the fact this wasnt a named storm...the deductibles go up when it is
Posted on 8/13/16 at 3:19 pm to doya2
Yes, anything but a standard policy will cover a leak. Thing to remember, just because the roof leaked, does not mean that there is damage to the roof especially after this much rain. Typically the policy would cover the damage resulting from the leak but not to fix the water intrusion unless there is physical damage from the storm.
Without a storm created opening, typically contents would not have coverage.
Without a storm created opening, typically contents would not have coverage.
Posted on 8/13/16 at 3:19 pm to doya2
Time to break out the chainsaw, eh?
Posted on 8/13/16 at 3:26 pm to UpToPar
Yes it covers.
My repair from the spring is now a leak again and will be repaired by the same shitty people that failed the first time.
My repair from the spring is now a leak again and will be repaired by the same shitty people that failed the first time.
Posted on 8/13/16 at 3:28 pm to wickowick
quote:
Without a storm created opening, typically contents would not have coverage.
Bingo. Be glad though, higher deductibles won't apply as it's not a named storm and no wind or hail.
Posted on 8/13/16 at 4:05 pm to Chillini
Most all homeowners covers roof leaks.
Posted on 8/13/16 at 4:29 pm to PairofDucks
quote:agents don't know the difference between the top and bottom of an ins policy...most have never read one
Your agent would know better than this board, though
Posted on 8/13/16 at 5:19 pm to tiger91
quote:
assuming has gotten me into trouble before.
Nonsense. Everyone knows that asking an agent is a waste of time, the correct answers are to be found right here from random posters.
Posted on 8/13/16 at 5:21 pm to wickowick
As long as you keep posting in these threads there's no need for me to. 
Posted on 8/13/16 at 5:38 pm to Martini
quote:
Most all homeowners covers roof leaks.
Yep, and like I said may not cover the cause. A worn out pipe boot or deteriorated chimney flashing won't be covered, but painting and sealing the water spot would be.
Edit: In many cases those small issues aren't discovered until a major rain event or the wind blows the rain just right.
This post was edited on 8/13/16 at 5:42 pm
Posted on 8/13/16 at 5:45 pm to doya2
Named peril policy probably no.
.
All risk policy probably cover resulting water damage but not the cause of the leak of there is no storm damage caused by wind/hail.
.
No coverage for contents in a building if no damage to envelope of home due to wind/hail if no storm damage to roof or exterior.
.
Wind/hail deductible applies to all damage if there is a storm created opening. Usually 1-2% what the home is insured for.
.
If simply a water leak the all-peril deductible would apply to "resulting water damage".
.
Many policies now include "seepage exclusions" which state that any damage caused by constant and repeated of seepage for more than 14 days is excluded.
.
All risk policy probably cover resulting water damage but not the cause of the leak of there is no storm damage caused by wind/hail.
.
No coverage for contents in a building if no damage to envelope of home due to wind/hail if no storm damage to roof or exterior.
.
Wind/hail deductible applies to all damage if there is a storm created opening. Usually 1-2% what the home is insured for.
.
If simply a water leak the all-peril deductible would apply to "resulting water damage".
.
Many policies now include "seepage exclusions" which state that any damage caused by constant and repeated of seepage for more than 14 days is excluded.
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