Does Homeowners Insurance Cover Roof Leaks?

Roof leaks are covered when a sudden covered peril — wind, hail, or a fallen tree — causes them. Leaks from age, wear, or neglect are not covered.

By the Home & Dime Editorial Team · Last updated 2026

Covered causes

• Wind or hail damages shingles.
• A tree punctures the roof.

Not covered

• An old, worn-out roof.
• Neglected maintenance.

Frequently asked questions

Will insurance replace my whole roof?

Usually just the damaged section; older roofs may be paid at depreciated value.

Is an old leaking roof covered?

Generally no — age-related leaks are maintenance.

The bottom line

Storm-caused roof leaks are covered; age and neglect are not.

Related guides

• Does Homeowners Insurance Cover Roof Replacement?
• Does Homeowners Insurance Cover Water Damage?

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.