Does Homeowners Insurance Cover Roof Leak Repairs on Long Island?

Most homeowners insurance policies cover roof leak repairs if the damage is caused by a sudden and accidental event. Storm damage and fallen tree limbs are common examples. However, your homeowners insurance won’t cover a leaking roof caused by wear and tear, age, or neglect.

If you’re in Nassau or Suffolk County and discover a sudden leak after a storm or impact on your roof, you can talk to Renew Roofing Solutions for priority service and an emergency roof repair.

Common Situations When Your Insurance Will Pay for a Leaking Roof

You should always review your insurance policy or talk to your provider for specific coverage information. Below are some common roof leak situations covered by most homeowners insurance.

• Falling Objects: When falling tree limbs damage your roof and the underlying structure.
• Wind and Hail Damage: When strong winds lift or tear off your shingles, or hail punctures or damages your roof.
• Ice and Snow Damage: When a leaking roof is caused by heavy winter snow loads or the freeze-thaw cycle of ice dams.
• Fire and Lightning: Such as direct strikes or damage from local fires.

The roof is typically included in the Dwelling Coverage of your insurance policy. Personal items damaged by a leaking roof may be included under Personal Property Coverage.

Can Your Insurer Deny a Roof Repair Claim?

Your insurer may deny your claim when a leak or damage is caused by maintenance issues or aging materials. Insurance companies look at your roof as an asset that requires maintenance, just like your home’s exterior.

• If your shingles are over 20 years old, your insurer might refuse a payout. That’s why it’s crucial to book yearly inspections with a licensed roofer when your roof is 15+ years old. It will ensure that your roof is in good condition, and inspection reports can be used as supporting evidence. Most asphalt shingle roofs on Long Island will last around 25 years.
• If there’s evidence of neglect, like an old roof leak that wasn’t repaired. Even a minor roof leak can become a serious problem. Call a roofing contractor immediately if you notice any signs of water entry in your attic or down your interior walls.
• If your roof was improperly installed or maintained by an unlicensed contractor. Always call a licensed roofing contractor on Long Island when you need roofing repairs, maintenance, or a roofing replacement.

Renew Roofing Solutions can assist with insurance claims. We provide detailed inspections and reports with photo evidence. Our team will provide line-item estimates that insurance adjusters require.

Mitigating a Roof Leak to Protect Your Insurance

It’s your responsibility to mitigate a leaking roof to protect your home and ensure a successful home insurance claim. You should call a professional as soon as you notice a leak or physical damage. In the event of an impact or tear-off, Renew Roofing Solutions can install an emergency tarp to stop the leak and protect any undamaged roofing sections.

Long Island’s Best Roofing Contractors for Leak Repairs

Renew Roofing Solutions is a trusted team of licensed roofers, ready to provide emergency roof repairs and assistance with insurance claims. You can contact us today for any type of roofing emergency at 516-212-0307 or 914-415-7702. Our rapid response and comprehensive service will alleviate stress and give you peace of mind as you contact your insurer.