is a leaking roof covered on a landlords policy

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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...

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UPDATED: Jun 24, 2012

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Insurance Question from Port Richey, FL

Asked on 06/24/2012

is a leaking roof covered on a landlords policy NULL

Answer given on June 28, 2012

A leaking roof can be covered under the policy for the owner of the property. However, it must be shown that the roof leaked due to damage from a storm, falling objects or some sudden and accidental loss.The policy covering a residence does not cover the owner for maintenance issues. If the roof is simply old and worn out, then the insurance policy will not pay for the damages to the roof. The property owner is expected to maintain the property in a manner to prevent damages due to neglect.If contents in the residence are damaged, there may be coverage for those items since the roof leaked on them. The policy deductible will apply before any settlement is offered by the insurance company.The insurance company will determine the approximate age of the roof and check for ongoing damage due to age. If they find wear and tear as the cause of the damage, they will not be willing to pay to repair or replace the roof.


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