When a ceiling stain appears after a storm, homeowners wonder: Will my insurance policy cover this roof leak?
At our Pittsburgh roofing firm, we assist homeowners by providing clear diagnostic photo reports for insurance adjusters.
What Insurance Typically Covers in Pennsylvania
Insurance policies generally cover roof leaks caused by sudden, accidental peril, including:
- High wind gusts lifting or blowing off shingles
- Hail strikes bruising asphalt surfaces
- Tree branches or limbs falling onto the roof deck
What Insurance Does NOT Cover
Insurance policies exclude gradual wear and tear or neglected maintenance, such as:
- Worn-out 25-year-old shingles at end-of-life
- Cracking neoprene pipe boot rubber collars
- Untreated moss rot or clogged gutter back-ups
For assistance with storm damage claims, explore our Roof Leak Repair and Storm Damage Repair services.