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.
Need to renovate?
OurMoneyMarket offers online home renovation loans up to $75,000.
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.
Knowing the difference between fixtures and fittings can help you decide which home insurance policy is right for you.
Is it possible to get insured against damage caused by pesky rodents? Find out here.
Want to protect important items like your phone and laptop but reluctant to fork out on contents insurance? Single item insurance might be for you.
Camera insurance is a must-have if you carry a lot of expensive gear. Find out how to get cover through either contents insurance or speciality camera insurance.
Will home insurance cover foundation repair? Find out here.
Disaster season: what to watch out for and how to get through it.
Termite damage is not typically covered by home insurance.
Discover what impacts the cost of home insurance and how to get the right protection with this handy guide.
Learn about the unique risks that Western Australia faces and how to get home insurance that is right for your circumstances.
Learn key steps to make a successful home insurance claim.
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