Does Homeowners Insurance Cover Roof Leaks?

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Malone’s helpful guide to understand what is likely covered – and what is not- by your homeowners’ insurance policy.

With over 50 years in the roofing business, we’ve learned that not all roof leaks are created equal, especially when it comes to homeowners insurance policies.

Our experience has shown us the ins and outs of these policies, and we’re here to help you determine when you may – or may not- have a good reason to file a roof insurance claim for common damage like leaks.

Here, we’ll dive into the details of what’s usually covered by your policy and what’s not, so you can be better prepared when you need it most!

Should I File a Claim for a Leaking Roof?

If you notice a leak in your roof, it’s important to assess the situation promptly. Not all leaks require an insurance claim; some might be minor and easily fixable without involving your insurer.

However, if the damage is extensive or caused by a covered peril like a storm, filing a claim may be necessary.

Consult with a professional roofer like Malone Roofing to evaluate the damage and advise you on the best course of action.

What’s Usually Covered by Homeowners Insurance

Damage from Windstorms

Windstorms are a common cause of roof damage, and most homeowners insurance policies cover this. If a severe windstorm blows shingles off your roof or causes a tree to fall on your home, your insurance will likely cover the repairs or replacement needed.

Damage from Hail

Hail can be particularly damaging to roofs, causing dents, cracks, and even punctures. Homeowners insurance often includes coverage for hail damage, helping you address any immediate repairs and prevent further issues down the line.

Damage from Snow/Ice

Heavy snowfall and ice buildup can lead to roof leaks and structural damage. Many policies will cover the damage caused by these conditions, especially if they lead to significant issues like roof collapse or water damage inside your home.

Damage from Extreme Natural Disasters (Hurricanes, Tornadoes)

In the event of emergency roof damage from extreme natural disasters such as hurricanes or tornadoes, most homeowners insurance policies will cover roof damage. These events are typically considered unforeseeable and beyond the homeowner’s control, making them eligible for coverage.

Why Choose Malone Roofing?

Choosing the right roofing company is crucial when dealing with roof repairs, replacements, or insurance claims. At Malone Roofing, we pride ourselves on our exceptional service, extensive experience, and unwavering commitment to our customers.

What is Usually NOT Covered

There are certain instances where homeowners insurance policies do not cover roof damage.

Usually, when a roof has not been treated with appropriate roof maintenance, it begins to fail over time. From shingles wearing down to gutters overflowing with debris, a poorly maintained roof will look obvious to your insurance company and will often result in denied roof claims.

In some unfortunate cases, some residents see their homeowner’s insurance canceled because of roof damage caused over time. This could mean the homeowner must pay for a new roof out of pocket before they are eligible for coverage again.

Why aren’t these covered? Insurance companies believe people are obligated to take corrective actions to prevent roof leaks caused by these events. Just like any structure exposed to the elements, roofs need regular maintenance to stay in healthy shape.

Malone Roofing urges homeowners to perform or schedule roof maintenance as often as possible to avoid this costly lapse in coverage.

Below are some of the most common causes of roof damage that are not generally covered by homeowners insurance.


Growth of algae, fungus, or mold on your roof is generally considered a maintenance issue rather than sudden damage. Insurance companies expect homeowners to take preventative measures to keep their roofs clean and free from such growths.


Roofs have a lifespan, and as they age, they naturally deteriorate. Most insurance policies do not cover damage due to the age of the roof, considering it part of normal wear and tear. If you find yourself asking ‘will insurance cover a 20 year-old roof?’ it may be time to look into a full replacement.

General Wear and Tear

Over time, roofs experience general wear and tear from exposure to the elements. This type of damage is typically not covered by homeowners insurance, as it is expected that homeowners will maintain and repair their roofs as needed.

Malone Roofing is the South’s Homeowners Policy Experts

We’ve been Mississippi and Alabama’s’ go-to roofing company for decades, helping make the roof insurance claim process for homeowners as easy as possible, and ensuring maximum coverage in each policy.

Malone Roofing has a team of roof insurance experts that work directly with your insurance company, so you don’t have to, making sure nothing is missed and protecting you from false claim denials.

How to Negotiate a Roof Replacement with Insurance

When you think you are entitled to a roof replacement due to storm damage, it’s time to call a trusted roofing company to assist with the claims process!

Malone Roofing conducts comprehensive roof inspections for insurance claims so you don’t have to do any guesswork.

Our team will document the damage, provide detailed reports, and work with your insurance adjuster to ensure you receive the coverage you deserve.

Insurance Sent Me a Check for a New Roof, Now What?

If you’ve gone through the process of submitting a roof insurance claim and receiving approval, you’re most of the way there!

If you need a trusted roofer with over 50 years of experience replacing roofs with only the best materials and the finest craftsmanship, look no further than Malone Roofing.

We’ll work with the funds released to you and make sure your insurance company compensates you for the full scope of coverable damage incurred on your home. We’ll be sure to restore your roof to its optimal condition, providing you with peace of mind and long-lasting protection.

Contact Malone Roofing Today

For any questions regarding roof leaks, insurance claims, or to schedule a maintenance check, contact Malone Roofing. Let us help you protect your home and ensure your roof remains in top condition for years to come!

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