Does home insurance cover leaks from the roof?

Answer 1

It depends on teh cause of the damage. If you had a big storm that caused a tree to fall on your roof and puncture it and rain came in at the same time then yes it would cover the damage. If you had leaks in the roof due to lack of maintenance and leaks occured in the roof then no it would no cover this type of damage. Home insurance covers damage that is "sudden and accidental" and caused by a covered cause, it does not cover maintenance, normal wear, and damage that happened over a period of time.

Answer 2

Insurance policy generally covers roof leaks and other damages to your roof, as long as the cause of the damage is not specifically excluded by your policy. But it’s important to note: if a leak occurs due to a lack of maintenance, you may have to pay for the repairs yourself. Also, make sure to consider your home insurance policy's deductibles to determine whether filing a claim makes the best financial sense.