Does homeowners insurance cover roof leaks?

If one of your policy's covered perils caused a roof leak, dwelling coverage on your homeowners policy may apply to repair or replace your roof up to your policy's limits and minus your deductible. Homeowners insurance typically won’t cover roof leaks due to general wear and tear, rot, or animal damage.

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When does home insurance cover roof leaks?

Dwelling coverage on a standard homeowners insurance policy may pay out for costs to repair or replace your leaking roof. Your policy’s personal property coverage may pay to repair your personal items damaged by the leak, such as furniture and electronics. Perils that may cause a roof leak include damage to your home from a fallen tree and rain or snow damage.

However, homeowners insurance typically won't cover roof leaks that result from general wear and tear, damage caused by animals, and rot.

Does homeowners insurance cover water damage from a leaking roof?

If your roof begins to leak, there's a high likelihood that other elements of your home could face water damage. If a covered peril on your policy caused your roof leak, it might cover the cost to repair or replace things like furniture, floors, walls, roof, and ceilings. Learn more about how home insurance covers water damage.

Does insurance cover roof leaks from snow?

Homeowners insurance generally covers damage from a roof leak caused by snow and rain, up to your policy’s limits and minus your deductible.

Learn how to remove snow from a roof and how home insurance covers damage from ice dams.

Does homeowners insurance cover roof replacement from leaks?

If your roof needs a full replacement because it’s leaking due to a covered peril such as snow and rain damage, your insurance may cover the expense to partially or even fully replace it. However, general wear and tear is not covered, so a new roof would not be covered just because it is time to replace the old one as general upkeep on your residence.

Learn more about how homeowners insurance covers roof damage.