PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Does Geico home insurance cover roof leaks?
After a thunderstorm last weekend, our roof developed a leak, leaving a huge stain on the ceiling in my son’s bedroom. What a mess! Does Geico home insurance cover damage from roof leaks?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear about what you’re going through—water damage from a leaky roof can be extensive and costly.
Geico
home insurance covers roof leaks as long as the damage resulted from a covered peril and not negligence. Be aware that you will need to contact the actual insurance company that issued the policy (Geico does not underwrite home insurance). The Geico website or a Geico agent can help you with this.
Let’s review standard perils covered by home insurance. Roof leaks caused by any of the following should be covered:
- Fire or lightning
- Wind or hail
- Smoke
- Vandalism
- Heavy ice or snow
- Accidental damage caused by power surge
- Explosion
However, if a homeowner’s roof is leaking because the roof is beyond its lifespan and shingles are missing, an insurer wouldn’t cover the type of water damage you are describing. Damage from homeowner negligence is not considered a peril as such damage is preventable. .
Have a question about your coverage? Shopping for affordable insurance?
Jerry’s
friendly agents are here to answer your questions and provide advice on the best coverage options. As your life changes, your insurance changes, and Jerry is ready to make those adjustments for you. MORE: Does homeowners insurance cover a tree falling on your house?
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
