ROOF LEAKS AND HOME INSURANCE

In Florida, homeowners insurance typically covers roof leaks ONLY if they result from a sudden and accidental event, such as a hurricane, windstorm, or a falling tree. Claims are generally denied if the leak is caused by gradual wear and tear, age, or lack of maintenance.

Immediate Mitigation

When your roof starts leaking in Florida, you must act quickly to comply with strict state insurance regulations and deadlines. Make sure to document everything (keep all invoices for emergency repairs; these are often reimbursable as part of your claim). Take photos and videos of the leak source on the roof and all interior damage, including ceiling stains, wet insulation, and damaged flooring. Try to find “before photos” to document how the roof recently looked before damage in order to prove it is a new occurrence.

Hire a professional to install a temporary tarp over the leak source. Before you contact your insurer, schedule an inspection with A LICENSED FLORIDA ROOFING CONTRACTOR. Request a detailed, line-item repair estimate that includes labor, materials, and necessary code compliance upgrades. Make sure your contractor is present when the insurance company’s adjuster visits to ensure all damage is properly identified. In Florida, you generally have one year from the date of the loss to file an initial claim, however, many Florida insurers expect “prompt notice” within 24-72 hours of the discovery.

What is Covered?

  • Sudden Damage: Leaks caused by wind-driven rain, hail punctures, or impact from falling objects like branches.

  • Interior Damage: If a covered peril causes the leak, your policy often pays for resulting damage to ceilings, walls, flooring, and personal belongings.

  • Preventative Measures: Most insurers cover the cost of emergency repairs, such as professional tarping, to prevent further water intrusion

    Key Exclusions

    • Maintenance & Age: Leaks from old, deteriorated shingles or neglected repairs are standard exclusions.

    • Material Defects: Problems resulting from manufacturing flaws or improper installation.

    • Flooding: Standard policies exclude damage from rising water (floods); separate flood insurance is required.

    • Pest Damage: Leaks caused by rodents or insects are typically viewed as a maintenance issue and are not covered.