Water Leak Advice that Every Homeowner Should Know - Jenkins Roofing

Request a Free Roof Inspection


Roof Repair Made Easy

  • We check for any roof-related damages.
  • Our field inspectors will capture HD imagery/video of your roof.
  • We'll provide you with a detailed report of what we found.
  • If there's damage, no worries. We'll walk you through the claim process!
  • We're dedicated to getting you the best deal. A team member will accompany the insurance adjuster to make sure all damages are included.
  • Our roofing experts will work with you to get the roof you want.
  • Stay covered: Our GAF Master Elite certification allows us to offer the best warranties in the industry.

* Financing options are available

Schedule an Inspection

    Type of Inquiry
    Job Type
    First Name
    Last Name
    Email Address
    Phone Number
    Zip Code
    Additional info (optional)


    Water Leak Advice that Every Homeowner Should Know

    Posted on September 1st, 2022 in Water Damage

    Recently, a friend asked me as his “Insurance Expert” if his house was covered for water damage.

    The short answer was: Homeowners’ insurance does cover certain types of water damage but not others, depending on the cause.

    Fortunately, most home insurances offer coverage for: 

    • Water damage from pipes that freeze up and burst on you
    • An appliance or bathroom fixture leaking
    • A storm blowing a tree through your roof and rain pouring in

    “If the cause is gradual and preventable, including wear and tear or a lack of maintenance, then water damage is generally not covered by home insurance. For example, damage caused by a leak from a rusty old pipe or a roof with missing shingles past its replacement age is likely not covered.” 

    As a Licensed Insurance agent, I always recommend that if you find any type of water leak, you try to stop it at the source or call a professional to do it right away before it causes more harm. The most important you control the damage is to document what happened the best you can by:

    • Take pictures of the damage.
    • Capture notes on when, where, and how it happened the best you can.
    • If you can, make sure you know what caused it and add that to your notes, this will help your carrier identify the proper coverages if you file a claim.
    • If it is weather related, make sure you get some documentation from the news, newspaper, or the Weather channel / APP.

    The next step is to inspect it right away before you decide to make a claim, and if it is roof related, I refer folks all the time to fantastic companies like @Jenkins Roofing.

    The most important thing is to find the issue, stop the leak from doing more harm, pause, then decide on a course of action; often, a simple repair does not need to drive a claim.

    Most people are unaware that any claim, whether any money is paid or not, could potentially impact your coverages and insurance costs in the future.
    I recommend that it is best to speak to a licensed repair professional and your agent to determine if you should file a claim before making a claim.