Does Home Insurance Cover Ceiling Damage

Does Home Insurance Cover Ceiling Damage

In most cases, roof leaks and other damage to your roof are covered by your homeowner’s insurance policy as long as the cause of the damage is not explicitly excluded from coverage under your policy. On the other hand, if you fail to do routine maintenance, a leak develops. As a result, you can be responsible for the cost of the repairs.

In the following circumstances, homeowner’s insurance will not cover damage to the ceiling:

  • Suppose your negligence caused the water damage. For example, it develops a leak if you do not maintain your roof. As a result, the insurance company is not obligated to pay for the damage.
  • A standard policy would not cover these hazards if the damage were caused by a natural disaster such as a flood or earthquake. On the other hand, you have the option of purchasing additional earthquake and flood insurance.
  • Pipes left unattended to freeze and then burst might cause damage to the ceiling in a home that has been abandoned. This incident is not going to be covered by the insurance.

How Your Homeowner’s Insurance Provider Can Be Of Assistance

Working with one of the many home insurance companies that give insurers access to a network of trusted contractors could save the insured money. An estimate from a contractor is often offered free of charge, and if an approved contractor executes the repair, an insurance company will typically honor the contractor’s warranty.

When Does Homeowners Insurance Cover Damaged Ceiling?

You must move fast if you are a homeowner with a leaking roof. Knowing when your insurance will pay for roof repair costs because of leaks is necessary. Typical homeowners insurance policies typically cover losses brought on by lightning, hail, or tree collapse. Discovering the source of the leak will help you determine whether your home insurance policy covers roof leaks. Wind, hail, fire, tree collapse, excess weight from snow or ice, and raccoon or animal damage are common causes of roof damage that may be covered by house insurance.

Should You Submit A Claim For Roof Damage?

Consider how many homeowner’s insurance claims you’ve made during the previous three to seven years before filing an insurance claim. Your insurance company documents the number of claims you’ve filed. Your premiums may increase if you’ve made more than two home insurance claims in the last five years.bHowever, if the kind of damage or the degree of the damage is significant, it’s usually always worthwhile to file a roof claim. The cost of increased premiums often outweighs the expense of rebuilding a roof.


Being a homeowner and having no idea whether your home insurance will cover the damage while the roof over your head starts to disintegrate might be one of the worst experiences in the world. That’s why it is essential to understand what your home insurance covers and its policies for future incidents.

For more information and assistance, contact Pelican Insurance Agency. We are always ready to help and answer your questions regarding your home insurance. Contact us now!