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Does homeowner insurance cover leaky roof? |
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Answer
Yes... and No! Where water damage is concerned, there is not always a black and white answer.
The most commonly used homeonwers policy form is called a Homeowners Form 3 (HO-3). The HO-3 is called the HO-B in the state of Texas. The second most common form is the HO-2, which in Texas would be HO-A+. Each of these policies has sections called "Conditions" and "Exclusions" that amend when/if a particular "peril" is covered.
The HO-3 policy form covers "sudden and accidental" water damage. A leaky roof that has suddenly started leaking as a result of a wind or hailstorm is almost certainly covered.
A pre-existing leak that is the result of previous damage that was never reported on a claim, and/or that you knew of but chose to do nothing about, will most likely not be covered.
First answer by TobyzMama. Last edit by TobyzMama. Contributor trust: 42 [recommend contributor]. Question popularity: 11 [recommend question]
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