Most roof leaks and damages to your roof are covered by your Homeowner’s Insurance policy. However, the coverage depends on the cause of the leak or damage. The best way to know what damages to your roof are included in your policy is to either contact your insurance carrier directly, or contact your independent insurance agent who will review your policy with you.

Most Homeowner’s Insurance policies cover the following perils:

• Fire, smoke, and wildfires
• Explosions
• Lightning, hail, and windstorm
• Vandalism and theft
• Damage from falling objects
• Malfunctioning of household systems
• Electrical surge
• Damage from vehicles and aircraft

Gradual wear and tear resulting in lack of maintenance will not be covered by your insurance policy, while accidental and sudden incidents will most likely be included in your coverage. There are some incidents, however, that are typically excluded from the Homeowner’s Insurance policies. Those include:

• Floods
• Earthquakes, mudslides, and landslides
• Fungus and mold
• Infestation damage
• Pet damage
• Rust and corrosion

These lists of the accidents covered by and excluded from the Homeowner’s Insurance policy are not complete, as there are more risks and exposures that can result in damage to your roof. Speak to your insurance carrier directly or speak to one of the licensed agents at Team Insurance to receive full description of your coverage and have your questions answered.