While doing yard work this afternoon, I noticed a guy up on the roof of neighbors FW. He was taking pictures, and hollered at neighbor below "lots of openings up here, this has been leaking a long time". My question is, does comprehensive insurance pay for roof leaks, due to lack of maintenance? I know this fellow is not capable of climbing on the roof, but figured he had dealer check the roof, as he does take it in yearly for various service. Jerry

MFL wrote:My question is, does comprehensive insurance pay for roof leaks, due to lack of maintenance?Not that I've ever heard. In fact, I had friends who had a huge mold issue after a roof leak and it all was declined by the insurance company since it was lack of maintenance and wasn't specifically incident/accident-related damage.

I had a roof leak declined by my insurance for lack of maintenance.I was told it would only be covered if a tree limb or something fell on it, struck it or, I hit something while driving.So, keep up with your roof maintenance program. Even if you pay someone to do it, it's cheaper in the long run.

It's all over the place with insurance companies. One of my RV friends had a leak that totally destroyed his rear wall and when I climbed up to look around it was clearly evident that the sealant was old and the roof itself was soggy near the edge. I told him that his insurance would most likely decline. He filed anyway and they totalled his RV and paid him the max value for his RV. I told him he must have been living right. Another friend had some water intrusion around his slide floor and his roof had been recently replaced. I was almost certain his insurance would cover as they knew his roof was only a year old, but they declined his claim stating he failed to maintain the sealant around the trim. The repair place that he took it to said sorry, we tried, but no luck with the insurance. So now he plans to sell at a huge loss because he's disgusted. So, who knows anymore, it's always worth a try.

Where I seasonal at one person had a tree poke a hole in the roof and did several thousand in damage the insurance company covered. Another person had a leak he did not know about and turned it in and was denied for lack of maintenance.

Issues regarding a lack of maintenance are never covered by insurance. Insurance law 101.

insurance and roof leaks | Good Sam Community

ependydad
Explorer
Nov 04, 2019
Campinfan wrote:
It may be like your house...if the roof leaks, the insurance company won't cover it if the roof is old, but they will cover the resulting damage inside from the water intrusion. At least mine did. They would not cover the roof damage (and I really would not have expected that) but they covered the resulting damage.

In my friend's case, the insurance company wouldn't cover any of it. They had mold and soft-spots and the insurance company denied the entire claim.
Mich_F
Explorer
Nov 08, 2019
I had a unique (I hope) issue a few weeks ago. I went out to my MH sitting in my yard, and found a hole in the ceiling. I went up on the roof and couldn't see any issue. My son went up a couple of days later and found a hole in the roof. Went back inside the MH and found a bullet on the floor. My insurance company was contacted and has already sent out a check for a whole roof replacement.
Zookie59tk
Explorer
Mar 22, 2024
So wrong!! You didn't do it on purpose! Its called an accident. So sorry.
- way2roll
  Navigator II
  Mar 23, 2024
  While I am sure the OP would find this supportive, this thread is almost 5 years old.

Forum Discussion

insurance and roof leaks

About RV Tips & Tricks

Related Content

Roof Leak

Roof leaks

TT Roof Leak

Fiberglass Roof Leak

small roof leak fix?