Home ownership brings a combination of pride in maintaining your investment but also stress when inevitable repairs are called for. Having a leaky roof can be one of the most traumatic experiences for any homeowner. Finding the leak, protecting your property, knowing who to call and wondering if your insurance will cover any damage are some of the initial stressors.
Revive Roofing & Restoration provides residential and commercial roof inspections and repairs for a wide range of problems.
- Storm damage and insurance claim inspections
- Leak detection and roof condition assessments
- Hail, wind or fallen tree damage inspections and repairs
- Roof deterioration due to age
Call now for a free inspection
A leaking roof can quickly damage your property. Time is of the essence to protect your possessions, which include, but are not limited to:
- The roof itself
- Ceilings
- FlooringDrywall
- Personal belongings, which can be the most important
Our team at Revive want to partner with you and are committed to transparency, accountability and communication during this stressful time.
When Does Homeowners Insurance Cover a Roof Leak?
The cause of your roof leak most likely will determine whether your homeowner’s insurance will cover the cost. Generally, sudden damage to the roof, due to a storm will probably be covered. Lack of maintenance on an older roof may not.
Depending on your specific policy, common examples that are covered include:
- Damage from severe storms
- Wind damage
- Hail damage
- Damage from fallen branches or trees
- Sudden accidents of events specified in policy
- Shingles blown off by storm may cause rain to enter home but the wording in your policy will determine if there would be any exclusions.
When Are Roof Leaks Not Covered by Insurance?
Generally speaking, homeowners insurance does not want to cover home maintenance.
A roof leak may not be covered when it results from:
- Normal aging and deterioration
- Long-term wear and tear
- Pre-existing roof damage
- Improper installation or previous repairs
- An excluded cause under your policy
- Lack of maintenance
- Example: if damaged roof shingles cause a leak, then the policy may state that the damage would not be covered
Homeowners insurance is generally intended to protect against covered losses rather than routine home maintenance.
Coverage varies considerably depending on your specific policy and geographical location. Knowing your insurance agent and the specifics of your policy is a good practice.
We at Revive will work with your insurance provider to ensure damage is properly documented and repairs are accurately represented.
Get Claims Assistance in Pennsylvania & Northern DelawareMost Common Roof Problems in Pennsylvania
- Ice dams
- Because of the frequent freeze-thaw cycles, remaining ice on sections of a roof blocks proper drainage and forces water back under the shingles. That trapped water can seep into attic and ceilings causing insulation damage and even mold.
- Attic insulation and ventilation can prevent damage. A pre winter roof inspection can identify these issues
- Rainstorms and Leaks
- Pennsylvania has a humid climate with wide seasonal temperature swings. Winters are cold with frequent snow. Summers are hot and humid. Rain with some severe thunderstorms in summer are common.
- Revive roof inspection can identify a missing shingle or a small leak and prevent that small nuisance into a major problem.
- Clogged Gutters
- Pennsylvania is a heavily forested state with foliage that is notorious for clogging gutters. Maples, Oaks, Poplars and White Pines drop lush leaves, seeds, pods and needles which can cause havoc to homeowners. Many residential neighborhoods are embedded in older wooded areas, making gutter maintenance essential.
- Harsh Storms and Winds
- Shingles can be damaged or blow off the roof altogether which will increase the possibility of a roof leak.
What Should I Do If My Roof Starts Leaking?
Act quickly when you discover a roof leak. Waiting can allow moisture to spread and increase the amount of damage.
- Protect the Interior of Your Home–When it’s safe to do so, move furniture and belongings away from the affected area and use containers to collect dripping water.
- Document the Damage–Take photos or videos of visible leaks and interior damage. If the leak occurred following a storm, record when the storm occurred and when you first noticed the problem. Avoid climbing onto a wet or storm-damaged roof yourself.
- Contact Revive Roofing & Restoration–We will provide a comprehensive roof inspection, identify the source of the leak and whether there is wind, hail or other damage. We will make repair recommendations.
- Review Your Insurance Policy–Check your homeowners policy for information about covered causes of loss, exclusions, deductibles, and claim requirements.
- Contact Your Insurance Company–If you believe the leak resulted from a covered event, contact your insurer and follow its procedures for reporting a potential claim.
Let’s talk about specific potential damages
Will Insurance Cover a Roof Leak Caused by Wind?
Wind is one of the most common reasons for roof damage nationwide. Tornado prone areas of the country may not have additional wind damage coverage on their homeowners insurance.
Homeowners may have to buy additional wind damage coverage in areas prone to tornados.
Pennsylvania is not a tornado prone state and coverage will typically include:
Usually Covered:
- Structure repair to roof, siding, windows and doors
- Damage due to fallen trees
- Personal property damaged due to exposed items
May not be Covered:
- Flooding
- Wear and Tear
Your specific homeowners policy should be checked for specific details
Will Insurance Cover a Roof Leak Caused by Hail?
While other states rank higher in hail frequency, Pennsylvania averages about 18 severe hail days per year. It ranks fifth nationally for the sharpest 3 year spike in major hail events.
Hail can damage:
- Shingles
- Skylights
- Vents and caps
- Flashing
- Gutters and downspouts
These damages to all roofing components, can potentially allow water to enter the roofing system.Whether the resulting damage is covered depends on your policy, the condition of the roof, the extent of the damage, and other factors.
A professional roof inspection can document hail impacts and other visible signs of storm damage that may be relevant when reporting the loss to your insurance company.
What to Do After a Hailstorm or Storm Damage
- Stay Safe-Wait until the storm has completely passed before inspecting your property
- Document Visible Damages–Take photos or videos of roof damage, gutters, downspouts, siding, windows, outdoor equipment and hail accumulation to support your insurance claim
- Schedule Inspection with Revive-Many forms of damage require close inspection and may not be visible from the ground.
- Contact Your Insurance Company–If significant damage is found, begin the claims process promptly. Your policy may have deadlines for reporting storm damage.
Revive’s Hail or Wind Damage Inspection Process
- We respond quickly after a wind or hailstorm to assess your roof, gutters, flashing and other exterior components
- Detailed Damage Assessment–We evaluate shingles, flashing, ridge caps, gutters, skylights, chimney flashing and roof decking for signs of hail damage.
- Insurance Claim Assistance–We will work with your insurance provider to ensure damage is properly documented and repairs are accurately represented.
- Repair or Replacement Recommendation–We will explain what we found, answer your questions and provide recommendations based on the condition of your roof.
Call for a FREE Roof Inspection
Should I File an Insurance Claim for a Roof Leak?
Before filing a claim with your insurance, having Revive on your side will ensure that you have all necessary information needed for the claim.
Roofing Insurance Claim Assistance
Filing an insurance claim is about more than replacing shingles. Revive ensures all covered damage is properly documented so your home is fully restored. We perform comprehensive inspections, identify storm-related damage, document with photos and detailed reports, meet with your adjuster, and complete high-quality repairs once your claim is approved.
Our process includes:
- Storm Damage Assessment
- Leak and Moisture Detection
- Damage Documentation and Reporting
- Insurance Documentation Support
We pride ourselves for our honesty and integrity. That’s why businesses and homeowners trust Revive Roofing & Restoration for insurance claims. We help our customers navigate the insurance claims process from start to finish.We bring roofing expertise, storm damage knowledge, and a commitment to making sure every covered dollar works for you—not the insurance company.
Our Platform Brings:
- Honest Claims Support and Clear Communication
- Storm Damage and Insurance Inspection Expertise
- Licensed Roofing Professionals and Public Adjusters-to every project
- GAF Certified Contractors
- Residential and Commercial Roofing Experience
- Detailed Damage Documentation
- Responsive Claims Support Availability
Start Your Claim Now
Should I File an Insurance Claim for a Roof Leak?
Not every roof leak requires an insurance claim.
Before filing, it can be helpful to understand:
- What caused the leak
- The extent of the roof damage
- Whether the damage appears storm-related
- The approximate cost of repairs
- Your insurance deductible
- What your policy covers
A professional inspection can give you more information about the condition of your roof, but your insurance company ultimately determines whether a loss is covered.
How Can Revive Roofing & Restoration Help With a Roof Leak Insurance Claim?
Revive does not determine insurance coverage or guarantee that an insurance company will approve a claim. However, through our comprehensive process, we will submit all the needed detailed documentation to your insurance to increase the likelihood that your claim will be approved.
Revive Roofing contractors are skilled, licensed and insured professionals that can help establish what’s happening with the roof itself.
Revive Roofing & Restoration can:
- Inspect the roof and identify the source of the leak
- Look for signs of wind, hail, or other storm damage
- Photograph visible roof damage
- Determine whether repair or replacement may be necessary
- Prepare a roofing estimate
- Provide documentation regarding the roof’s condition
- Complete necessary roof repairs or replacement
Revive is trusted by home and business owners in Pennsylvania and Delaware. We are vetted through Directorii and participate in the Roofing STRONG Alliance by TAMKO, organizations that promote contractor accountability, homeowner protection, transparency, continuing education, and service excellence. These affiliations help reinforce our commitment to ethical roofing practices and deliver a better experience for homeowners from inspection through project completion.
Does homeowners insurance cover a leaking roof?
It may. Coverage generally depends on what caused the roof to leak and the terms of your policy. A leak caused by a covered event such as wind or hail may be treated differently from a leak caused by normal deterioration or lack of maintenance.
Will homeowners insurance pay for a new roof?
It depends on the cause and extent of the damage, the roof’s condition, and your policy. The fact that a roof needs replacement does not by itself mean insurance will pay for it.
Does insurance cover an old roof that starts leaking?
If the leak is primarily the result of age or deterioration, the roof itself may not be covered. However, policies and circumstances vary, particularly when a covered event also damages an older roof.
Does insurance cover ceiling damage from a roof leak?
Potentially. Coverage for resulting interior water damage depends on the cause of the leak and your policy. Coverage for interior damage does not necessarily mean the roof itself will be covered.
What should I do if my roof leaks after a storm?
Document the damage, take reasonable steps to prevent additional damage, arrange for a professional roof inspection, review your insurance policy, and contact your insurer if you believe the damage may be covered.
How do I know where my roof is leaking?
The location where water appears inside your home isn’t always directly beneath the roof damage. Water can travel along roof decking, rafters, insulation, and other materials before becoming visible. A professional inspection with Revive Roofing & Restoration can help trace the leak back to its source.
