Is Your Roof Leaking? But Can Your Home Insurance Cover It?

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Is Your Roof Leaking? But Can Your Home Insurance Cover It?

On a nice weekend, you and your family are enjoying time together in your home in Cedar Grove, NJ. Then suddenly, brown stains on the ceiling caught your attention. You know what it means: water leakage is happening in your roof! A leaking roof can be a huge pain.

They are expensive to fix, as Forbes magazine states that the cost of replacing your roof can range between $25,000 for a shingle roof replacement and more than $40,000 for a metal roof replacement.

The price varies depending on what needs to be repaired or replaced as well. Moreover, whether you are hiring an individual contractor in Cedar Grove, NJ, or contact an insurance company after experiencing damage due to severe weather like hurricanes.

When you’re wondering if your homeowner’s insurance will cover the leaking roofs and the damages that often result, our roofers will help you out.

Does Homeowners Insurance Cover Roof Leaks?

The most common homeowner’s insurance claims include roof damage. Unfortunately, not all of them are valid or paid out.

When talking about the most common homeowners’ insurance claims, roof damage is high up on the list.

  1. Unfortunately, not all claims are valid or paid out
  2. Most home leaks can be covered by your insurer as long as there isn’t any neglect from you that led to it happening.
  3. For example, if a leak is caused by an open, should only take care of damages related to water getting into other parts of your house, and will likely cover repairs for broken windows, but may deny responsibility when natural wear and tear causes problems with shingles, etc.
  4. Your company won’t reimburse repair costs if its lack of maintenance on your part.

When it comes to caring for your roof, homeowners often neglect the most important parts of care – like a roof inspection. If you want insurance companies to recognise damage due to natural disasters or storms instead of “carelessness”, get an annual checkup on your roof by our professionals in Cedar Grove, NJ!

What causes of roof leaks are covered by your homeowner’s policy?

The causes of a leaking roof that your homeowner’s insurance company in Cedar Grove, NJ will cover vary according to the details of specific coverage on a policy and surrounding circumstances. The perils covered by most homeowners insurance policies are as follows:

  • Fire or lightning
  • Windstorm, hail damage
  • Explosion
  • Riot
  • Aircraft
  • Vehicles
  • Falling trees and branches
  • Vandalism
  • Smoke
  • Theft
  • Weight of ice, snow
  • Freezing pipes
  • Collapse from weight
  • Damage during construction
  • Electrical wires

Even if homeowners insurance will cover your roof leak repair or a full replacement, you may have to pay the deductible. A deductible is an amount that you are required to pay out of pocket before the insurer pays any portion of your claim.

What causes of roof leaks are not covered by your homeowner’s policy?

As roofs age, they can develop cracks and leaks that will eventually lead to damage. If you have a homeowners insurance policy with a roof allowance, the general wear of your roof is usually excluded from coverage because it’s part of its normal deterioration process. However, some damages or hazards may be excluded from your homeowner’s insurance plan, such as:

  • Earthquakes
  • Landslides/mudslides
  • Insect and animal infestation
  • Floods
  • Corrosion and rust
  • Smog
  • War
  • Action by the government

When a homeowner neglects their roof, it makes them liable for unnecessary damages to the structure of their home.

Insurance companies do not cover these types of issues because they have been known to arise from the negligence of the owner, or lack thereof in maintaining and caring for what is theirs.

That being said, roof inspections should be done every few years to ensure the roof is still in good shape. Making minor roof leak repairs and taking care of routine maintenance, such as regular gutter cleaning, can prevent larger issues from occurring later down the line.

When you need a roof inspection in Cedar Grove, NJ, don’t hesitate. Northkit Roofing is here to help with your leaking roof and we offer free inspections for homeowners with 100% confidence in the job being done right! Call today at (973) 396-7416.