insurance and roof leaks

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.

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.

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.