You can make a leaking roof insurance claim if it's due to circumstances beyond your control, such as a storm or natural disaster. If your roof has been leaking for years and is only now becoming a problem, you won't be covered. Your insurer will likely send someone out to assess whether the leak was due to negligence or was accidental.
Let your insurer know that you need to make a claim. Take pictures and videos of the leak if possible. Stop further damage from occurring but try not to fix it yourself or you risk jeopardising your claim.
Submit your claim by email or mail and wait to hear back. Insurers can take up to 10 days to respond to your claim. In these circumstances, they should be able to help stop the leak quicker.
It depends on whether or not the leak was due to an accident or your own negligence. They will send an assessor to inspect your roof.
There are 3 signs that your roof may be leaking:
In the light of all this doom and gloom, you may well be asking yourself why bother to have home insurance. It's because it will cover you if disaster strikes your home, which is many people's largest asset in life, after all.
As for gradual water damage to your roof, the trick is to make sure it doesn't happen. Regular roof maintenance and hiring a roofing expert to rectify any design or installation problems can help prevent any issues.
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I had a new tiles put on my garage roof after a couple of years it’s got a small leak which was repaired can I claim for the damage it made
Hi Wayne,
Thanks for your inquiry.
Your home insurance will cover your house and contents for water damage caused by an insured event such as a storm. But if the damage is the result of a leak in your roof that the insurer deems to be a maintenance issue (and thus not covered), the water damage to your home and contents will usually not be covered.
Hope this was helpful. Don’t hesitate to message us back if you have more questions.
With care,
Nikki