Will home insurance cover damages from a leaking patio roof?

My patio roof is over a decade old. If it leaks and causes some water damage to the wood underneath, will this be covered by my home insurance?

Answer provided by
Jackie Whalen
Answered on Apr 02, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.
Unfortunately, this damage would not be covered under your home insurance policy. Since your patio roof is over 10 years old, it is possible that it could need some repair work done to keep it maintained; you may even need to put a new roof on. Home insurance does not cover damage that is caused by simple wear and tear or lack of maintenance.
Be sure to have a contractor look at your patio roof to make sure there are no hidden problems that you are unaware of.

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