Key Points
- Storm damage (wind, hail, trees) is typically covered
- Normal aging and wear and tear is never covered
- Document the storm event date and photograph damage immediately
- ACV policies pay depreciated value; RCV policies pay full replacement cost
- File claims within the policy time limit -- typically 1-2 years
Frequently Asked Questions
Does insurance cover a roof leak from a storm?
Yes, in most cases. Homeowner insurance covers roof damage and resulting leaks caused by sudden and accidental events -- wind, hail, fallen trees, and similar storm damage. The leak must result from an identifiable covered event. Document the storm event (date, type) and photograph the damage. File promptly -- most policies have filing time limits.
Does insurance cover a roof that just starts leaking from age?
No. Normal wear and tear, gradual deterioration, and age-related failure are excluded from standard homeowner insurance policies. If your 25-year-old roof starts leaking because it has reached end of life, that is a maintenance issue, not a covered event. Insurance is designed to cover sudden damage, not the cost of routine maintenance or predictable replacement.
What is the difference between an ACV and replacement cost policy for roofs?
Actual Cash Value (ACV) pays the depreciated value of the roof at time of loss -- an older roof gets significantly less than what replacement costs. Replacement Cost Value (RCV) pays what it costs to replace the roof with new materials, regardless of age. RCV coverage costs more in premiums but protects against the large gap between depreciated value and actual replacement cost on older roofs.