Does Homeowners Insurance Cover a Roof Leak in Texas?

The short answer

It depends on what caused the leak. The Texas Department of Insurance says most home policies cover damage from windstorm and hail and from the sudden and accidental release of water, but not a continuous water leak or wear and tear (TDI). A leak after a storm is often covered. A leak from an old, worn roof usually isn't.

Why "my roof leaks, so insurance pays" doesn't always hold

You might expect any leak to be a claim. Insurers look at the cause, not just the water. TDI's list of what most policies cover and don't cover draws the line:

• Usually covered: fire and lightning, windstorm and hail, and sudden and accidental water damage.
• Usually not covered: a continuous water leak, wear and tear, and flooding. TDI also says policies won't cover mold removal except to repair damage caused by a covered risk.

TDI adds that coverages vary by company, so read your policy or ask your agent. Windstorm and hail coverage also works differently on the Gulf Coast. Our post on TWIA windstorm coverage covers who that affects.

What to do when you find a leak

1. Stop more damage. Put a bucket under it and cover the spot if it's safe. Our guide to temporary repairs after a storm explains what TDI expects and which receipts to keep.
2. Take photos first. Get the ceiling, the attic and the roof from the ground before anything is fixed.
3. Write down when it started. A leak that showed up the morning after a hailstorm is a different claim from one that's been dripping for months.
4. Call your insurer or agent. Ask whether the cause is covered and what your deductible is before you decide to file.
5. Get the roof looked at. A roofer can tell you whether the damage looks like storm damage or age. Our post on roof age vs. condition explains why condition matters to insurers.

This article is general information, not insurance advice. Your policy wording controls what is covered.

Bottom line

Insurance follows the cause. Storm damage and sudden water damage are commonly covered; slow leaks and worn-out roofs usually aren't. Document the leak, check your policy, and have the roof inspected.

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