Roofing guide
Does Home Insurance Cover Roof Leaks in BC?
Sometimes. It mostly comes down to what caused the leak and what your policy says. Here's how it usually works, and how to make a claim go smoother.
Sometimes. It mostly comes down to what caused the leak and what your policy says. Here's how it usually works, and how to make a claim go smoother.
It depends on what caused the leak and on your policy. This is general information, not insurance advice. Your policy wording and your insurer or broker have the final say.
As a rule of thumb, insurance is meant for sudden, accidental damage, not for a roof that has worn out.
More often covered:
Often not covered:
Some policies also treat damage to the roof itself differently from water damage inside the home, so read both parts of your coverage.
If the repair costs less than your deductible, a claim may not be worth making. A written quote from a roofer helps you decide before you call your insurer.
If your roof is leaking now, see our emergency roof leak repair page.
Vancouver Roofing & Solar can inspect the roof, document the damage with photos and a written report, and give you a written quote for the repair. That gives your insurer a clear picture of what happened and what it will take to fix. The insurer still decides what's covered.
In most stratas, the roof is common property, so leaks usually go through the strata corporation and its insurance rather than your own policy. Check your bylaws and talk to your strata manager or council first. We work with strata councils and property managers too; see our commercial and strata roofing page.
Keeping records of roof inspections and maintenance can help show that damage was sudden rather than neglect. A yearly roof inspection before the fall rains is the simplest way to build that record, and to catch problems before they become claims.