Does Homeowners Insurance Cover Ceiling Leaks?

What Types of Leaks Are Covered?

Homeowners insurance usually covers sudden/accidental ceiling water damage and roof leaks caused by a covered peril.

• Examples of sudden and accidental ceiling leaks: burst pipes or appliance overflow.
• Examples of covered perils for roof leaks: wind, hail, or falling objects.

Homeowners insurance may only cover a ceiling collapse if it’s due to a covered event.

Additionally, ceiling damage caused by a persistent leak over a lengthy period (weeks, months, or years) may only be covered if the leak was unknown to the insured and hidden from view above the ceiling.

What Types of Leaks Are Not Covered?

Common exclusions not covered by homeowners insurance include:

• Long-term maintenance issues or neglect.
• Flood damage (usually requires separate flood insurance).
• Faulty design or workmanship.

What To Do After a Loss?

Contact your insurance company as soon as possible to report your claim.

Your insurance company may ask for the date, time, location, and description of the loss. Photos and videos should be taken to document the incident. Keep records of all damages, maintenance, and repairs, as you will need this to support your claim.

For more information on how insurance claims work, contact the claims department at your insurance company or reach out to your insurance agent for personalized advice.