Does home insurance cover flat roof leaks?

My home has a flat roof. It was incredibly difficult to find a home insurance company that would cover it. We managed to find one, but now the roof is leaking. Will home insurance cover flat roof leaks?

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Many insurance companies have exclusions or conditions for flat roofs, so know you aren’t alone in the struggle to initially find coverage. Since you have a home insurance policy, it may provide coverage for a flat roof leak.
First, the damage to your roof must be from a
covered peril
, like a storm or falling object. If a covered peril caused the damage, you’ll also need to review your policy’s terms and conditions regarding your flat roof.
Flat roofs are more prone to damage and typically have a shorter lifespan than sloped roofs. Because of this, your insurance company may exclude certain types of damage from coverage. Types of exclusions may include your roof being over a certain age or water damage.
You’ll want to reach out to your home insurance company as soon as possible to see what your options are. An agent can review your policy detail and determine whether you’d have coverage for the roof leaks.
Since insuring a flat roof is often more expensive than a standard roof, consider using
to save on your home insurance. Jerry gathers affordable quotes, does all the paperwork for you, and even helps cancel your old policy. And if you have any questions along the way, just text one of our agents through the app. They will always be there to assist you.
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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.

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