My roof is leaking - am I covered under home insurance?

Published 19/01/2017 11.36 AM   |    Updated 31/08/2018 02.53 PM
Your home insurance might cover you - if the leak was caused by storm damage to your roof.

In general, if a storm has damaged your roof, you’d expect to see signs of damage to the exterior, like lots of missing tiles. If that's the case, you should be covered by your home insurance.

If there aren't any obvious signs of damage externally, or just one or two missing or slipped tiles, it’s more likely that a part of the roof structure has worn out, letting in water. That means your roof leak is due to wear and tear and you'll have to pay for any repairs.

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