A leaking roof can quickly become a nightmare for any homeowner. From stained ceilings and mold to compromised structural integrity, the consequences of even a small leak can be serious and expensive. If you’re dealing with a roof leak in Granbury, TX, one of your first questions is likely: Will my homeowners insurance cover this? The answer is—it depends. Understanding how roof insurance coverage works can help you protect your home and finances.

What Homeowners Insurance Typically Covers

Most standard homeowners insurance policies cover sudden and accidental damage, not wear and tear. This means if your roof leaks due to a covered peril—such as a windstorm, hail, falling trees, or fire—your insurance policy will likely pay for repairs. The key factor is whether the leak was caused by an event outside your control.

For example, if a hailstorm strikes Granbury and punctures your roof, causing water to seep inside, your insurer will likely approve your claim. However, if the leak results from years of neglected maintenance, your claim may be denied.

Common Covered Perils That Lead to Roof Leaks

Covered perils often include:

• Hail and wind damage
• Lightning strikes
• Tree limbs or falling objects
• Fire
• Vandalism or theft

If a storm blows off shingles or damages your flashing, any resulting leaks could be covered—as long as your policy includes wind and hail protection. Be sure to check your declarations page or speak to your insurance agent to confirm your coverage specifics.

What’s Not Covered?

Insurance companies generally deny claims for roof leaks caused by:

• Normal aging or wear and tear
• Neglected maintenance
• Improper installation or construction defects
• Mold or rot not tied to a covered peril

Older roofs—especially those over 20 years—may receive reduced or no coverage, depending on your provider. Some policies even limit coverage to actual cash value (ACV) rather than replacement cost, which can significantly reduce your payout.

Filing a Roof Leak Insurance Claim

If you suspect your leak is tied to a recent storm or accident, take these steps to initiate the claims process:

1. Document the damage – Take photos of both interior and exterior damage as soon as you notice it.
2. Prevent further damage – Tarp the roof or move items away from the leak to reduce additional losses.
3. Contact your insurance provider – Report the damage as quickly as possible to start your claim.
4. Schedule a professional inspection – A reputable roofer can assess the cause of the leak and provide documentation that supports your claim.

Why a Professional Inspection Matters

Insurance adjusters are not roofing experts, and their evaluation may not always reflect the true extent of the damage. That’s why getting a professional opinion from a qualified roofer in Granbury, TX, is essential. A detailed report can make the difference between a denied and approved claim.

Work with a Local Roofing Expert

Choosing a reputable roofing company can simplify the insurance process and ensure your roof is properly restored. DT Roofing is trusted by homeowners throughout Granbury for their deep industry knowledge and honest service. They assist with inspections, documentation, and repairs so you’re not navigating the claim alone.

Backed by the Best

DT Roofing is an Owens Corning Platinum Preferred Contractor, a title that reflects a commitment to excellence, ongoing training, and top-tier product access. Working with a certified contractor gives you peace of mind and added value through warranty support and trusted craftsmanship.

Preventing Future Roof Leaks

Insurance may cover you this time—but prevention is always the best protection. Schedule routine inspections, keep your gutters clean, trim overhanging branches, and act quickly on small repairs. Regular maintenance not only extends your roof’s life but also strengthens your position in future claims.

Final Thoughts

While insurance can offer significant financial relief after a roof leak, your coverage will depend on the cause of the damage and the age and condition of your roof. Understanding your policy, acting quickly, and working with experienced professionals are the keys to a smooth claims experience.

Read also our blog: Is It Safe to Install a Roof in the Rain?