Homeowners’ insurance covers water damage and roof leaks if they are the result of a covered peril. Water leaks can occur for many different reasons, from unrepaired damage to delayed maintenance. Fortunately, the majority of insurance policies cover these types of damages. However, it can be challenging to know which types of perils are covered under your policy.

Does Homeowners Insurance Cover Roof Leaks From Rain?

Homeowners’ insurance does not cover roof leaks caused by wind-driven rain. However, it may cover interior damage that stems from a leaking roof. A rain-driven flood, on the other hand, is not covered by homeowners insurance. If your roof is leaking because of a rainstorm, you’ll need to purchase separate flood insurance.

Depending on the severity of the damage, homeowners insurance will either pay for repairs or cover the cost of roofer dallas. Older roofs may not be covered by homeowners insurance, so it is important to get a new roof as soon as possible.

If you’re not able to afford it, you’ll have to pay for it out of pocket. Insurers also consider the age of the roof when they determine coverage. If your roof is more than 10 years old, some companies will refuse to renew your policy. Moreover, they may require an inspection and require you to replace it before they renew your policy.

In addition to storm-related damages, homeowners insurance may also cover roof leaks caused by old chimney flashing. However, if you already have a leaky roof, you’re only likely to be covered for the actual cash value of the roof. Furthermore, your insurance policy may cover mold damage, but this depends on how old the damage is and how soon the mold damage occurred.