RoofViews

Your Home

Does Homeowners Insurance Cover Roof Leaks?

By Dawn Killough

April 07, 2023

Homeowner using a bowl to catch dripping water from a roof leak.

If you suspect that you have a leak in your roof, acting swiftly to repair it helps avoid further damage to your home and possessions.

But: does homeowners insurance cover roof leaks and potentially remove some of the financial worries you may have? Below are the steps to take to protect your roof and your finances in the event of a leak.

Signs You May Have a Roof Leak

Identify potential roof leaks and damage as soon as possible — if you wait too long to identify and report the leak, homeowners insurance coverage might be jeopardized. The best way to spot a potential leak is to perform roof inspections at least twice a year and after major storms.

Here are some potential indoor signs you have a leak:

  • Water stains on ceilings or walls
  • Peeling or blistering paint
  • Moisture in the attic

You may also notice these external signs of a leak:

  • Roof decking decay
  • Damaged shingles
  • Damaged flashings

Does Homeowners Insurance Cover Roof Leaks?

Your homeowners coverage will depend on the details of your specific policy. Insurance commonly covers some types of roof leaks — however, consult your particular insurance carrier and your policy documents to ensure you know what's covered.

If water damage stems from a lack of maintenance, for example, homeowners insurance generally does not cover repairs. However, if the water damage is caused by a roof leak after a storm or another cause beyond your control, insurance may cover the roof repair and damage to the home's structure and interiors.

As you begin exploring whether and how your insurance policy handles roof repairs, consider three key factors:

1. Replacement Cost Versus Actual Cost

This describes the type of coverage you have for repairs on your home. Replacement cost value reimburses you for the full cost to replace your roof and interiors, if needed. Actual cost value is based on how much the repairs will cost and then subtracts value because of the age or use of your roof. If you have replacement cost value coverage, generally the insurance company will pay you the actual cash value first. Then, once the repair or replacement is complete, they will reimburse you the extra money you paid for the repairs.

2. Amount of Deductible

Your homeowners insurance policy has a declarations page that lists your deductibles for different types of claims. Once the damage has been inspected, you can consult the declarations page or talk to your agent to find out what your deductible is.

3. Ordinance and Law Coverage

Also called O & L or code upgrade coverage, this pays any additional cost to bring your roof and its structure up to current code requirements. This only applies if your roof was constructed before a code upgrade.

Any time you experience a roof leak, it is recommended that you call a reputable roofing contractor. They will inspect the damage and diagnose the cause of the problem, and provide a professional assessment as to whether your roof needs to be repaired or replaced.

They may also be able to help you determine whether you may be eligible for warranty compensation from the roofing manufacturer. Having a professional roofing contractor involved may also be helpful in the event you decide to file a homeowners insurance claim, as they should be able to provide the insurance company with the information they need to process it. A contractor can also provide temporary protection or repairs until the claims process has been completed and permanent repair or replacement work can commence.

What Is the Process for Filing a Claim?

If your roof has been damaged or you discover a leak, you may be eligible to file a claim with your insurance policy in order to help pay for needed repairs or replacement. Although every insurance company is different, here is a general process for filing an insurance claim:

  1. If the damage was caused by vandalism or other criminal activity, report it to the police. You'll need a case number and a police report to back up your claim.
  2. Call a certified roofing contractor in your area to get an inspection of the damage. The contractor can help diagnose the problem and provide an opinion on what needs to be done to fix it. They'll take photos of the damage and provide temporary repairs to protect you from further damage.
  3. If a claim is warranted, contact your insurance company. Ask them for details about your coverage, the timeline for filing and processing the claim, and your deductible. The insurance company will send you the forms needed to start your claim—complete the claim forms as quickly as possible to avoid delays.
  4. The insurance company may send an adjuster, who will look over the damage, interview you, and determine how much the insurance company should pay. Keep all damaged items until the adjuster has completed their visit. If you have damaged personal items, provide proof of purchase to substantiate your claim.
  5. The insurance company will process the claim. If you cannot stay in your home due to the damage, most homeowners insurance policies provide coverage for living expenses, such as a hotel. Keep receipts and proof of payment for these expenses.
  6. Once the claim is approved, the contractor will meet with you to go over the scope of work, help you choose the right materials for the job, and schedule a time. The work will start with repairing or replacing the roof, followed by other materials such as gutters and siding.
  7. The contractor will submit a final invoice and certify that the work has been completed. Then, your insurance company will release payment.

Act Quickly to Protect Your Home

If you suspect that you have a roof leak, contact a roofing contractor certified by GAF* to inspect your roof and prevent further damage.

*Contractors enrolled in GAF certification programs are not employees or agents of GAF, and GAF does not control or otherwise supervise these independent businesses. Contractors may receive benefits, such as loyalty rewards points and discounts on marketing tools from GAF for participating in the program and offering GAF enhanced warranties, which require the use of a minimum amount of GAF products. Your dealings with a Contractor, and any services they provide to you, are subject to the Contractor Terms of Use.

About the Author

Dawn Killough is a freelance writer in the construction, finance, and accounting fields. She is the author of an ebook about green building and writes for construction tech and green building websites. She lives in Salem, Oregon with her husband and four cats.

Related Articles

A house with a damaged roof.
Your Home

Hurricane Roofing: How to Prepare Your Roof for Hurricanes

While you can't control the weather, you can minimize its impact on your home. If you live in a hurricane-prone area, you can take steps before and after a storm to protect your property from damage. For instance, choosing quality hurricane roofing materials and completing proper roof maintenance can help reduce roof damage.Here's everything you need to know to prepare your roof for hurricane season.Types of Hurricane Roofing MaterialsThe Saffir-Simpson Hurricane Wind Scale classifies hurricane categories based on their highest approximate wind speeds:Category 1: 74 to 95 mph windsCategory 2: 96 to 110 mph windsCategory 3: 111 to 129 mph windsCategory 4: 130 to 156 mph windsCategory 5: 157 mph or higher windsWith this in mind, specific roofing materials are designed to resist high winds and protect against damage from debris.Impact-Resistant ShinglesImpact-resistant shingles meet the UL 2218 impact test standards, defending your roof—and home—against the natural elements. They can cost more than typical asphalt shingles but can be worth the expense if you live in a hurricane-prone region.Metal RoofingMetal roofing can resist heavy impacts and withstand high winds, making it one of the best roofing systems for hurricanes. Some metal roofs can withstand wind speeds up to 150 mph, covering you even during Category 4 hurricanes.Synthetic RoofingSynthetic roofing materials resist wind, water, and fire damage, making them beneficial during hurricanes. Since they use man-made materials, they don't rely on a natural build. Instead, they're built with damage-resistant features in mind while mimicking the appearance of natural materials. These composite roofing shingles are typically made from recycled plastic, asphalt, and other products.GAF Hurricane Roofing SolutionsYour choice of roofing materials can limit roof damage. Some products are manufactured specially to withstand the harshest weather conditions and keep everyone in your home safe. Here are a few GAF products developed with harsh weather in mind.GAF Timberline® AS II ShinglesTimberline® AS II Shingles are created with proprietary SBS-modified asphalt that's flexible to bolster impact resistance. Impact resistant shingles can be stronger than other non-impact resistant asphalt shingles, and since they pass the UL 2218 impact-resistance test, you could potentially qualify for insurance discounts. Timberline® AS II shingles come with a 25-year StainGuard Plus™ Algae Protection Limited Warranty that protects against algae discoloration. Plus, when installed with four qualifying GAF accessories, they're eligible for the WindProven™ Limited Wind Warranty, which provides infinite wind speed protection.GAF Grand Sequoia® AS ShinglesGrand Sequoia® AS Shingles also pass the UL 2218 Class 4 test, as they're built with the same SBS-modified asphalt formula. The DuraGrip™ Adhesive seals shingles tightly to prevent wind blow-off, and the shingles are warrantied against winds up to 130 mph, covering Category 4 hurricane winds.GAF TimberSteelTM Premium Metal Roofing SystemThe GAF TimberSteel™ Premium Metal Roofing System gives your home the hurricane-resistant capabilities of metal roofing at an affordable price. The system can help keep your home safe against high winds and rain through its multiple layers of protection. It's designed to provide a beautiful look with GALVALUME® steel that features top and bottom interlocking to keep everything tight and leakproof.Hurricane-Resistant Roof DesignsMore goes into building a hurricane-resistant roof than just the material. The roof shape and slope can provide additional resistance.Hip roofs can best resist hurricane weather. Although they're typically costlier to build than gable roofs, a hip roof's four slopes provide better wind uplift resistance than a gable roof's two slopes. As the wind flows around the roof causing pressure differences, the additional slopes are better equipped to handle the wind flow.A 30-degree roof slope also provides the best protection against high winds, preventing wind from easily lifting the roof.Installation Quality Plays an Important RoleRoofing contractors must follow proper techniques when preparing or installing a roof for hurricane season. This often means using nails instead of staples to install shingles since nails better attach the shingle to the roof and create fewer holes for water to get in. Likewise, properly installed flashing—without gaps in the intersection—helps keep heavy rainfall from entering the home.Additionally, a contractor can install hurricane clips to ready a roof for harsh weather. These steel plates secure and connect roof trusses to the home's wall structure, keeping the roof attached during high winds. In states like Florida, new homes are required to have hurricane clips installed.Preparing Your Roof for Hurricane SeasonThe Atlantic hurricane season starts June 1 and lasts until November 30, reaching its peak in September.Months before hurricane season approaches, schedule a professional roof inspection from a trusted contractor to ensure your roof is up-to-date and isn't damaged. This gives you sufficient time to complete any maintenance and repairs before the season arrives, as contractors might be busy once it starts.Reinforce Weakened AreasA weak spot in your roofing system can lead to further damage and compromise the rest of the roof's integrity. Even a small opening in a shingle can cause serious water damage during a rainstorm. Your roofing contractor can fix or replace loose or torn shingles, repair broken flashing or fascia, clean debris from your roof, and clear out your gutters.Mitigate Potential Tree DamageSharp winds and storms can sometimes cause tree branches to break and fall on top of the roof, damaging shingles or other materials. So, trim nearby trees as part of your roof maintenance. Also, remove fallen leaves before and after storms. Leaves can clog gutters, preventing water from flowing off the roof during heavy rain.Schedule Post-Storm InspectionsRoofing maintenance after a storm is just as important as before a storm. If a hurricane damages your roof, find a company that handles storm damage roof repair. While you can try assessing any roof damage from the ground, a roofing contractor can accurately identify the damage extent and fix it. They can also help you with any insurance claims if your policy covers you for these circumstances.Protecting Your Roof from Hurricane DamageYou can take several proactive measures to minimize the impact of harsh weather on your roof. Choosing the right materials—and ensuring they're installed correctly—is paramount. Hire a GAF-certified roofing contractor*and enjoy peace of mind as the next storm approaches.FAQCan a roof be hurricane-proof?Due to the nature of hurricanes, no roof is 100% hurricane-proof. But wind- and moisture-resistant roofs perform the best during hurricanes. This is why it's important to choose quality products that will protect your home in the worst possible weather conditions.What is the best roof for a hurricane?The best roof for a hurricane is made with impact-resistant shingles or metal. These materials can handle impacts from heavy objects that may blow onto your roof during a hurricane. Metal roofing can generally handle higher hurricane winds better than typical singles.What type of roof would most likely be torn off in a hurricane?The worst-performing roofs during hurricanes are ones that have wood shingles or shakes. Wood isn't very moisture-resistant without additional coatings. Wood shingles and shakes are also lightweight, so sharp winds can easily lift them. Furthermore, wood isn't as strong as other materials, so it can become brittle when heavy objects land on it.What is the best roof for high-wind areas?Metal roofing is one of the best roofing systems for high-wind areas, as it's built to withstand wind speeds up to 130 to 150 mph. But the installation quality is just as important as the material—even the most robust materials may not stand well against high winds if they aren't correctly installed. Additionally, When installed with the required combination of GAF Accessories, Timberline® Shingles with LayerLock™ Technology are eligible for an industry first: a wind warranty with no maximum wind speed limitation.To ensure your roof is in good shape to protect your home this hurricane season, reach out to a contractor certified by GAF* in your area to schedule a roof inspection.*Contractors enrolled in GAF certification programs are not employees or agents of GAF, and GAF does not control or otherwise supervise these independent businesses. Contractors may receive benefits, such as loyalty rewards points and discounts on marketing tools from GAF for participating in the program and offering GAF enhanced warranties, which require the use of a minimum amount of GAF products. Your dealings with a Contractor, and any services they provide to you, are subject to the GAF Contractor Terms of Use.

By Authors Mark Soto

June 26, 2024

A house's roof edge trim, or soffits and fascia.
Your Home

Roof Edge Trim (Soffits and Fascia) Rotting? Here's What to Do

Your home's eaves, soffits, and fascia are susceptible to rot. While each of these is slightly different, they all work together to protect your home against the natural elements and boost its curb appeal. However, their purpose can sometimes leave them exposed to too much water, causing them to rot. If you notice your roof edge trim, also known as the soffits and fascia, rotting, you'll want to take quick action to prevent further issues.Eaves, Soffits, and Fascia DifferencesWhile similar, the eaves, soffits, and fascia make up different parts of the roof. Eaves are the parts of the roof that extend beyond the walls of your home siding. They guide rainwater away from your home, protecting the siding and foundation from water damage and providing shade to the sides of the home. Roof eaves also play a big part in your home's aesthetic.The roof edge trim is made up of soffits and fascia. Soffits are boards that sit below the eaves and cover their insides; they connect the roof's exterior with the sides of the house. By covering the inside of the eaves and thus protecting the rafters, they help reduce the risk of water damage and keep pests from nesting there. Vents are typically installed on the soffits to help improve the airflow from the attic and roof.Fascia boards are located at your roof's edge along the eaves, connecting with the soffits underneath them. Similarly to soffits, they protect the roof edges against the elements by acting as a barrier. They also contribute to curb appeal. Gutters are commonly attached to the fascia boards, so this can help you differentiate each part when you're looking at the structure.Why These Roof Materials RotYour roof works by directing rainwater to fall off the eaves and flow through the gutters into downspouts. However, that's not always the case. Sometimes, water makes its way beneath the eaves into your soffits and fascia. This is particularly likely if you have clogged gutters or downspouts.When these features can't do their jobs correctly, excess water soaks the fascia and soffit, causing rot and discoloration. Homes usually have a roof drip edge installed on the eaves and rakes to prevent this from happening. If you already have a drip edge installed and your soffits, eaves, or fascia are still rotting, it might mean your drip edge is damaged and needs to be replaced.What to Do When Your Soffits or Fascia RotAs soon as you notice any rotting on your soffits or fascia, you'll want to replace them immediately. The rot can worsen over time as it encounters more moisture, potentially leading to mold and mildew growth. Untreated rot can also lead to structural damage if the water spreads to the rafters below the eaves. In the worst situations, excessive moisture can even reach the drywall and insulation inside your home.You'll likely need to decide whether to replace the roof trim or the entire roof. Your decision depends on whether the rot has only damaged the roof edge trim or has affected other roofing materials too, such as the shingles.If your roof has already reached its expected lifespan, it may be more cost-efficient to replace everything at one time. This will also allow you to create a cohesive and consistent roof aesthetic.Instead of trying to determine the extent of the damage on your own, leave it up to a professional who knows exactly what to look for. Call a GAF-certified roofing contractor* to inspect your roof. They can assess your roof's condition and determine what needs to be replaced.*Contractors enrolled in GAF certification programs are not employees or agents of GAF, and GAF does not control or otherwise supervise these independent businesses. Contractors may receive benefits, such as loyalty rewards points and discounts on marketing tools from GAF for participating in the program and offering GAF enhanced warranties, which require the use of a minimum amount of GAF products. Your dealings with a Contractor, and any services they provide to you, are subject to the GAF Contractor Terms of Use.

By Authors Mark Soto

June 25, 2024

Group of Roofing Academy students speaking with Trevor Leeds of BYLTup
In Your Community

Roof Raiser: Trevor Leeds, Elevating the Roofing Industry

The roofing industry has long been a competitive space for contractors, but that healthy competition has helped drive innovation and lift up independently-owned businesses across the country. BYLTup, Inc. is one such business, and CEO Trevor Leeds is committed to elevating the greater roofing industry through everything his company does.After many years in roofing, Trevor partnered with his brother, Brady Woodside, in 2022 and co-found BYLTup, Inc. in Southern California. The pair started from scratch with a blank slate, allowing them to create a culture and brand experience that raises the industry bar, which is important to them.Trevor knew GAF would be a part of their success from the start. He experienced GAF-certified contractors'* support through his previous company and knew the organization's vision and innovation would be key to building the business.Enhancing Roofing Professionalism and SafetyTrevor is passionate about the roofing industry and believes everyone—from manufacturers and distributors to the contractors performing the installations—should work together to create a professional and positive customer experience. Even more importantly, Trevor advocates for the industry's employees and their experiences; safety is an area he wants more people to consider."We need to be making sure that we are taking care of employee safety," Trevor says. "Everyone should be focused on that. Everyone should be concerned about their employees going home safe and sound every single night. When an accident happens in the industry, it's devastating to the business owner and the individual, but it impacts the industry too. We all feel that in some form or fashion."Guiding the Next Generation through GAF Roofing AcademyTrevor's concern for employees and the industry's future led to his involvement in the GAF Roofing Academy. While he didn't have an immediate need for labor in his business, he recognized that taking action now could contribute to building a pipeline of skilled workers that would benefit the roofing industry as a whole.Trevor observed the pool of talent and skilled workers dwindling during his time in roofing. "You have the baby boomer generation that is retiring and a younger generation that wants to get into tech and doesn't want to get into the trades," he notes. "We've got to be able to hire and attract young talent back into the industry or we're all going to suffer."Training Students at the SoCal Roofing AcademyTrevor first learned about the GAF Roofing Academy at a regional conference and stepped up to assist. His company was involved in the first SoCal Roofing Academy, which had three tracks: residential roofing, commercial roofing, and sales training. BYLTup hosted the training's residential portion, and Trevor was impressed by the students' interest and engagement."I was blown away at how engaged they were. GAF had certainly done a very good job screening and prepping these individuals coming in, but they were green," he says. "The trainer was fantastic. The students were shingling after three days."Once the groups completed the tracks, they were brought back together for their graduation ceremony, which was a life-changing experience for many. "I realized that many of these people had probably never been recognized like this before," Trevor says. "They were very proud, holding their certificates and sending photos to their families."Making an Unexpected Hire at BYLTupJust before hosting the SoCal Roofing Academy, GAF Roofing Academy Operations Manager Erick Osuna reached out to Trevor and shared recent graduate Jose Navarro's resume. Jose had completed the commercial roofing training program and stood out to Erick, so he connected with Trevor about possibly hiring him."At that time, I wasn't looking for someone on the commercial roofing side. We weren't really expanding that crew, but we were looking for a production role," Trevor shares. "Long story short, we loved him. He was going to be a great fit for the company, and we hired him as our assistant production manager."Jose excelled on the job. BYLTup quickly moved him into a full production manager role, hiring an assistant to work with him. Trevor says Jose was a great hire. "He's young, he's hungry, he wants to learn. I've never seen another individual in the industry that just wants to learn roofing, and he's a sponge."Committing to Supporting GAF Roofing AcademyTrevor has seen the caliber of students attending and graduating from the GAF Roofing Academy, inspiring his commitment to support ongoing trainings. "I was pleasantly surprised at the overall outcome of the [Roofing Academy] event," he notes. "It encouraged me to the point that I said, 'I want to do this, whether we benefit from it or not, I want to support this at least twice a year, and we want to get more contractors involved in it.'"Want to get involved in supporting the future of the roofing industry? Learn how to participate in a future Roofing Academy and discover the training opportunities available to your team through GAF CARE.*Contractors enrolled in GAF certification programs are not employees or agents of GAF, and GAF does not control or otherwise supervise these independent businesses. Contractors may receive benefits, such as loyalty rewards points and discounts on marketing tools from GAF for participating in the program and offering GAF enhanced warranties, which require the use of a minimum amount of GAF products. Your dealings with a Contractor, and any services they provide to you, are subject to the Contractor Terms of Use. Visit www.gaf.com/gaf-contractor-terms-of-use for details.

By Authors Karen L Edwards

June 17, 2024

Don't miss another GAF RoofViews post!

Subscribe now