1. 285 POINTS
    Keith Prim
    Agent, Farmers Insurance Company, Dallas, TX
    Homeowners insurance will cover water damage from a roof leak if the roof sustained damage from a recent storm and the damage to the roof resulted in damage inside the home.  If the roof has issues that have gone unrepaired, water damage in this circumstance would not be covered.  The roof damage and the water damage must have occured at the same time.

    Keith Prim - Dallas, TX  214-435-0791
    Answered on December 11, 2013
  2. 0 POINTS
    Josh DeBoer
    Producer, Fred Daniel & Sons, Inc., Tulsa, OK
    I agree with what Keith has said above. As long as you follow the conditions of the policy, and the water damage to the home occured at the same time as the roof damage you should be covered. As long as whatever caused the damage in the first place is a covered cause of loss. The conditions of the policy will state that the insurance company does not have to provide coverage under the policy if you have failed to comply with the duties responsible by you, an "insured" seeking coverage, or a respresentative of either. A helpful acronym explaining your duties is PINES.

    Protect the property from further loss
    Inventory the damaged property
    Notify the carrier or agent
    Exhibit the property to an adjuster
    Submit a sworn proof of loss.

    So if the cause of loss is covered and you followed the conditions, yes you should have coverage in place.
    Have a great day and good luck with your claim.


    Josh DeBoer
    Answered on December 11, 2013
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