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Does Home Insurance Cover Roof Leaks?

Farmers Insurance - Tyler Morris

Does Home Insurance Cover Roof Leaks?

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.

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Dave Ritter

Dave, Dave, Dave, what can we say about Dave? So much to say without going into too much detail. Dave joined our team mid 2021 and has been an awesome addition to our team. His sense of humor is unrivaled in our office! Dave has spent much of his career as a corporate/commercial pilot, flying professionally for a total of 22 years. He started out as a mechanic and worked his way up to being a captain. Prior to becoming a professional pilot Dave served 4 years in the United States Airforce right out of high school and then went on to serve his country an additional 8 years. Dave’s personality and broad experience make him an excellent insurance agent. His keen attention to detail, which is imperative for any pilot, helps him key in on finding his customers the proper coverage. If Dave is your agent, you can rest assured he will find you the coverage that fits your family’s needs. In his off-time Dave enjoys traveling with his wife and finding fun new things to do.

Strengths

• Homeowners Insurance
• Specialty Homeowners (landlord policy)
• Renters Insurance
• Auto Insurance
• Life Insurance
• Specialty Insurance (Boats, Motorcycles, Campers, RV’s, ATV, Pet

Glen Robinson

Glen Robinson brings a wealth of knowledge and experience to our agency with 12 years of experience in the insurance industry. Glen spent 9 of those 12 years serving as an insurance agent for Triple AAA and the other three with an independent insurance agency. He has a passion for helping his customers truly understand the coverage they are receiving and helping them select the coverage that is right for them. Before entering the insurance industry, Glen spent 8 years serving his country in the United States Air Force and became the first person in his family to attend university at Oklahoma City Community College. In his free time Glen enjoys spending time with his wife, 3 kids, and their family yellow lab Jasper. He also prides himself in being a pit master and enjoys smoking all kinds of meats.

Strengths

• Homeowners Insurance
• Specialty Homeowners (landlord policy, “hard to place” risks, and high value homes)
• Auto Insurance
• Renters Insurance
• Specialty Insurance (Boats, Motorcycles, Campers, RV’s, ATV, Pet)
• Commercial/Business Insurance

Danielle Brown

Danielle comes to us with years of experience in the oil and gas field. She was formerly a landwoman and has extensive experience negotiating land deals for energy companies. Prior to entering the professional world Danielle earned her degree from the University of Central Oklahoma and holds a bachelor’s degree in Psychology. Her educational background helps her understand her customers on an even deeper level than most. This coupled with her background detailing land contracts for the big oil and gas companies make her a top-notch insurance agent. Danielle will go above and beyond every time for each of her clients to ensure they are receiving the coverage their family deserves. When she’s not busy helping her customers, Danielle enjoys spending time with her 2-year-old son and husband.

Strengths

• Homeowners Insurance
• Specialty Homeowners (landlord policy and “hard to place” risks)
• Auto Insurance
• Renters Insurance
• Life Insurance
• Specialty Insurance (Boats, Motorcycles, Campers, RV’s, ATV, Pet)
• Limited Commercial/Business Insurance