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Is A Leaking Roof Covered by Insurance in Texas?

Filling a claim with your insurance company is the first thing you think of when your roof leaks. Luckily, nowadays, we are spending much of our time at home, so it’s possible to notice abnormalities on the roof that could have slipped by.

Do Insurance Pay for Roof Leak Repairs in Texas

The answer is sometimes. Whether your homeowner’s insurance coverage will pay for roof leak repairs or not depends on what caused the leaks. Generally, if what caused the leak is out of your control, the insurer should pay for repairs. However, if your roof weakened or got damaged because you failed to maintain it, your insurance company may not settle repair costs.

Whether to file a claim or not is a personal choice and may be influenced by your deductibles. For example, if your deductible is $2000 and the repair is a few hundred dollars, it is prudent to foot the bill from your pocket. However, when the damage is massive, let your insurer foot the bill.

Common Damages Covered by Most Home Insurance Policies

As a homeowner, you should be a bit keen when acquiring a policy because each insurer is different. However, most insurers cover these types of perils:

  • Wind
  • Fire
  • Hail
  • Damages from ice and snow
  • Damages as a result of falling objects
  • Lightening

What Kind of Roof Leak Will Texas Insurance Companies Pay to Repair or Replace?

You don’t need rocket science to tell a roof is faulty. Once water gets in the house, you can do very little to stop it.

Your insurer will pay for repairs or replacement of households damaged by water as a result of a roof leak. For example, if a tree falls on your house and causes damages to the roof and attics support, and water damages your ceiling, the insurer should compensate for all the damage. All you need is to pay for your deductibles and stay within coverage limits.

It is prudent for homeowners not to put off making repairs. For example, if a small leak occurs in your home, and you don’t want to make repairs to avoid worsening the situation, you may fail to get estimates and to contact your insurance company. With time, the wood in the attic rots, and mold growth occurs. The insurance company may conclude that the damage occurred because of negligence.

To be on the safe side, it is essential to contact your insurance company as soon as you notice a fault. That way, they are unlikely to say the damage could have been prevented if you acted on time.