Does insurance cover roof leaks?

Your homeowner's insurance may cover roof leaks or other types of damage depending on what exactly caused the damage. For example, if the damages were caused by bad weather or a fallen tree, your insurance may help cover the cost of repairs.

The dwelling coverage in your policy is typically responsible for protecting the structure of your home, including the roof. However, only certain "perils" are covered, like wind, hail damage, and fire, for example.

If the roof of an unattached structure, like a detached garage or backyard shed, is damaged, it may be protected by the other structures protection in your policy, depending on what caused the damage.

Of course, your policy's deductible and coverage limits will affect what is covered. Not all "perils" are protected and each policy is different, so make sure to read your policy thoroughly to learn what is covered, what your deductible is, and who to contact should you have any questions or concerns.

Keep reading: What to Ask Your Roof Insurance Provider Before the Roof Project Begins

What is the best type of roof warranty?

While a good warranty is important, it shouldn't be the deciding factor when it comes to selecting a roofing material or system. This is because your roof's warranty doesn't necessarily guarantee your satisfaction with its performance.

Some roofing materials perform better in certain environments than others, so while your roofing material may have a longterm warranty, if the roof doesn't perform properly, it won't matter.

On the other hand, if the roofing material and system you choose are high-quality and manufactured well, and the contractor you hire to install them is experienced in its installation, a warranty may not even be necessary.

Learn more: Roofing Warranties 101: What You Should Know