Does Homeowners Insurance Cover Roof Leaks?

March 28, 2025

Roof leaks are one of the most common and frustrating issues homeowners face—especially in areas like Connecticut where we experience everything from heavy snow to summer downpours. One of the first questions we hear at Bartlett Contracting, LLC when a homeowner finds a leak is: “Will my insurance cover this?” The answer depends on a few key factors, which we’ll break down below.

When Does Homeowners Insurance Cover Roof Leaks?

In most cases, homeowners insurance will cover roof leaks, but only if the damage is sudden and caused by a covered peril. Covered perils typically include:

Windstorms or hail

Falling trees or debris

Fire or lightning

Vandalism

Weight of ice or snow (if it causes the roof to collapse)

So, if a strong wind tears off a few shingles or a heavy snowstorm causes a leak, your policy will likely help pay for repairs.

When Insurance Won’t Cover It

Insurance companies usually won’t cover roof leaks caused by lack of maintenance or general wear and tear. If your roof is old or has been neglected, and a leak develops, your claim might be denied. That’s why it’s essential to stay on top of roof maintenance and get regular inspections.

At Bartlett Contracting, LLC, we’ve seen firsthand how routine care can help homeowners not only avoid damage but also strengthen their insurance claims when something unexpected does happen.

What You Should Do if You Have a Leak

If you discover a roof leak, follow these steps:

  1. Contain the leak by placing buckets or tarps to prevent interior damage.

  2. Document the damage with photos of both the inside and outside of your home.

  3. Contact your insurance company to file a claim.

  4. Schedule a professional inspection to assess the source and extent of the damage.

Get Ahead of Roof Leaks Before They Cost You

A roof leak can go from a small inconvenience to a major problem fast. Whether you're dealing with a current leak or want to be proactive about roof maintenance, Bartlett Contracting, LLC is here to help.

Call us today at (860) 362-2783 or visit bartlettcontractingllc.com to schedule your free roof inspection. Let us help you protect your home, your belongings, and your peace of mind.