Does homeowners cover damage caused by a half completed roof?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Dec 10, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Gwynedd, PA

Asked on 12/10/2011

Does homeowners cover damage caused by a half completed roof? A friend of mine had a roofer solicit his townhouse neighborhood. He, and two of his neighbors paid the roofer for a new roof. He and one neighbor unfortunately paid with cash and the other neighbor paid with a check. The roofer ripped off his roof and re-shingled half of it and then disappeared without doing anything to either of the other two roofs. Then the rains came, blew of the tarping, rain poured into his house and now his ceiling just caved in. Wondering if this is covered under his homeowners? Any info would be greatly appreciated... Btw, he has a policy with State Farm.

Answer given on December 10, 2011

Homeowner insurance policies generally pay for water damage to the interior of the home if the roof should fail or leak. It will usually not pay to repair the roof itself if it is inadequate, old or damaged. Based on this, the roof part of the loss would most likely not be covered by the insurance company.Many insurance policies have an exclusion for faulty or inadequate construction. If the insurance policy includes this exclusion, the insurance company could deny damages based on the exclusion.Your friend needs to call his agent and report the claim. The adjuster will call and take a statement and go out to see the damages to the home. They will then determine if there is any coverage under the homeowner policy. The length of time between the disappearance of the roofer and the rain storm may have an impact on whether the insurance company will pay for the damages or not.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption