Roof leaks may be both expensive and inconvenient. The cost of repair varies depending on the size of the leak. Home insurance policies cover roof leaks and other damages, but there are certain limitations. We’ll walk you through the steps and help you decide whether or not to make a roof leak claim in this blog.

Roof Leaks and How Insurance Companies View Them

Homeowners’ insurance covers roof leaks due to covered perils. A peril is a natural event that harms your home or its parts, such as a hailstorm, powerful winds, or a fire. And that’s where your insurance provider pays for any losses or damage caused by unforeseen weather.

It’s worth noting that some homeowners’ insurance policies don’t cover damage caused by wind or hail. To find out what your house insurance covers, contact your insurance provider.

Roof Leaks: What Insurance Companies Will Pay For

When anything that isn’t a covered risk causes the leak and damage to your roof, your insurance will not cover the expense of restoring it. 

Conditions that your insurance will not cover are roof damage from normal wear and tear and a lack of maintenance. 

Mold, birds, wet rot, contractor or construction worker errors, and inappropriate code materials are some examples of risks that homeowners insurance does not cover. 

Even if your homeowners’ insurance covers roof repairs or roof replacements, you may be required to pay a deductible, which is an amount you must pay out of yourself before your insurance company will help.

How Much Does A Roof Leak Repair Cost?

Due to the intensity of the leak, repairs can cost hundreds to thousands of dollars. You won’t be able to file a claim if the repairs are less than your home insurance deductible — the amount you’ll have to pay out of pocket before insurance kicks in.

Remember that filing a claim could result in a rate increase when it comes time to renew your policy. It may be a better alternative if you’re financially capable of paying for the leak repair yourself.

How to Spot a Roof Leak?

There are things you can do to avoid roof leaks. The first step is to inspect your roof regularly. Be sure that your roof is in good shape, which means panels have no damage or breaks. Next is to investigate the shreds of evidence of the leak. To find the source of the leak, follow all physical indicators of damage or associated odors to their highest point. Finally, once you’ve identified the location of your leaky roof, make necessary repairs as soon as possible. You can hire a professional to repair your roof before things grow worse. You can mend it yourself, but you have to be extra careful. 

Secure Your Roof Against Potential Damage

Striving to preserve your home can help you save money over time, particularly when it comes to your roof.

Cleaning your gutters regularly, clearing debris after severe storms, and cutting tree branches that hang over your roof are all ways to protect your roof from damage. Check for damages as soon as possible following severe weather.

The correct homes insurance policy may safeguard you from life’s unforeseen calamities and, in turn, your house for future generations.

Morris Farmers Agency understands how important your home is to you, and we’re here to help you understand your options for protecting it with our home insurance Oklahoma services. If you want to learn more about how to secure your house the way you want, give us a call at (405) 367-6130.