If you have home insurance, you probably know that your home insurance policy will pay to repair or replace your home if a range of covered events occur. At Champion Insurance Agency, servicing South Carolina, we can help you determine which types of perils your home insurance policy covers. If you have a roof leak and would like to make a claim with your home insurance agency, we can help with that, too! Here’s what you need to know.

What Does Home Insurance Cover?

Home insurance will repair or replace your home when a range of covered events occur. There is some variation in home insurance policies, but in general, your home insurance will cover the following types of events:

• Windstorm and hail
• Fire and lightning
• Smoke
• Theft
• Vandalism
• Riot
• Explosion
• Volcanic eruption
• Falling object
• Damage caused by aircraft or vehicle
• Weight of snow, ice, or sleet

Will My Home Insurance Cover a Roof Leak?

If you’re trying to repair your home after a roof leak, your home insurance policy may cover the repair if a covered peril causes the roof leak. For example, if an object falls on your roof—like a tree—your home insurance policy may cover the repair. However, if the roof leak is caused by damage due to wear and tear and lack of maintenance, your home insurance will not pay to repair or replace your roof.

If My Roof Is Leaking Due to a Covered Peril, What Should I Do Next?

If you think a covered event causes your roof leak, the professionals at Champion Insurance Agency, servicing South Carolina, can help you file a claim with your homeowner’s insurance. Call today to make an appointment.