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Does Geico home insurance cover roof leaks?
After a thunderstorm last weekend, our roof developed a leak, leaving a huge stain on the ceiling in my son’s bedroom. What a mess! Does Geico home insurance cover damage from roof leaks?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear about what you’re going through—water damage from a leaky roof can be extensive and costly.
Geico
home insurance covers roof leaks as long as the damage resulted from a covered peril and not negligence. Be aware that you will need to contact the actual insurance company that issued the policy (Geico does not underwrite home insurance). The Geico website or a Geico agent can help you with this.
Let’s review standard perils covered by home insurance. Roof leaks caused by any of the following should be covered:
- Fire or lightning
- Wind or hail
- Smoke
- Vandalism
- Heavy ice or snow
- Accidental damage caused by power surge
- Explosion
However, if a homeowner’s roof is leaking because the roof is beyond its lifespan and shingles are missing, an insurer wouldn’t cover the type of water damage you are describing. Damage from homeowner negligence is not considered a peril as such damage is preventable. .
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