When Insurance Doesn’t Cover Roof Leaks in Dallas

Posted on August 15, 2017 | Back to blog

Dallas Real Estate

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When Insurance Doesn’t Cover Your Leaky Roof in Dallas

The Texas Flood – it can wreak unspeakable damage on your Dallas home. Safeguarding your home from the Texas elements is one of the most important things any Dallas homeowner has to attend to. This is especially the case when it comes to your roof. When you start having roof leaks, you can find yourself in a bind. You’re going to need to make repairs quickly, and filing an insurance claim may not leave you with the answers you’re hoping for.

So what if your insurance company denies your claim?

If your insurance company has denied your claim, you can file an appeal. You’ll need to have all the documentation that you initially provided your adjuster. This includes photos, videos and any conversations you recorded.

But before you file an appeal, you should be aware of reasons why your insurance company might have denied your claim. Here are some of the main issues concerning insurance policies and roof repairs

Does homeowner insurance cover roof leaks?

Homeowner’s insurance policies typically will only cover a leaking roof if it’s been caused by an “act of nature”. A leak that has resulted from just poor maintenance will not be enough for your insurance company to cover any repairs.

Similarly, if the roof damage is due to the roof simply outliving its intended lifespan, insurance policies typically won’t cover any repairs. Some homeowners will add a second layer of shingles to protect their roof but know that in such cases, most insurers will deny your claim. Insurance companies exclude roofs with more than a single layer of shingles.

Wear and tear

Similarly, if roof leakage has resulted from wear and tear through the years, insurers will typically attribute the damage to homeowner neglect. As such, it will almost never be covered by a standard homeowners insurance policy. In these cases, you’ll have to pay for any repairs out of pocket. It’s therefore essential that you inspect your roof on a regular basis, ideally once or twice a year, and especially after major storms.

Total roof replacement

Having your insurer cover a total roof replacement is highly unlikely unless the destruction was the result of the severely damaging weather. This even holds true if you purchased a separate roof insurance policy. If there’s any way to repair the roof, your insurer will almost always only cover minimum repairs. They’ll only replace a roof when there’s absolutely no other option.

If your roof has been pummeled by the elements, costs will be high, and labor will be extensive. If your insurance claim isn’t covered, you may find that the costs and efforts of repairing or replacing the roof yourself are just too high. In such a case, reach out to the real estate purchasing experts at Homevestors.

Homevestors will give you a cash buyout for your house regardless of the condition of its roof. So if you find yourself asking, “my roof is leaking- is it covered by my insurance?” contact Homevestors today.