Roof leaks are one of the most stressful problems a homeowner can face. Water can quickly damage ceilings, walls, insulation, and even electrics. A common question we hear at hkp.ie is: does home insurance covers roof leaks, or are repairs something you must pay for yourself?
In this guide, we’ll clearly explain what Irish home insurance typically covers, what it usually excludes, and how to improve your chances of a successful claim.
My Roof Is Leaking – Is It Covered by Insurance?
The short answer is: sometimes. Whether your insurer will pay depends on why your roof is leaking.
Most home insurance policies in Ireland cover sudden and unexpected damage, such as:
- Storm damage (high winds lifting tiles or slates)
- Falling objects (tree branches or debris)
- Accidental damage that causes an immediate leak
If your roof starts leaking after a storm and water damages your home, insurers will often cover both the internal damage and, in some cases, the roof repair itself.
However, if the leak is caused by wear and tear, poor maintenance, or an ageing roof, the claim is likely to be rejected. Insurers expect homeowners to keep their roofs in good condition.
Ceiling Damage from Roof Leak Insurance
One area that is often covered is ceiling damage from roof leak insurance claims.
Even if the insurer refuses to pay for the roof repair itself, they may still cover the resulting internal damage, including:
- Stained or collapsed ceilings
- Damaged plasterboard
- Warped flooring
- Electrical damage caused by water ingress
This is because internal damage is classed as a “consequence” of the insured event. Always check your policy wording and take photos of all visible damage before repairs begin.
Leaking Flat Roof Insurance Claim – What You Should Know
Flat roofs can be trickier when it comes to insurance. A leaking flat roof insurance claim will usually depend on:
- The age of the flat roof
- Whether it has been properly maintained
- The cause of the leak
Many insurers place stricter conditions on flat roofs and may exclude them altogether if they are over a certain age (often 10–15 years). If the leak is caused by gradual deterioration, claims are often refused.
That said, storm-related damage to a flat roof may still be covered, particularly if the roof was in good condition beforehand.
What Is Usually Not Covered?
Most home insurance policies will not cover roof leaks caused by:
- General wear and tear
- Lack of maintenance
- Poor workmanship
- Long-term or gradual water ingress
- Known issues that were not repaired
This is why regular roof inspections and prompt repairs are essential—not just for your home, but for your insurance protection.
How to Make a Successful Roof Leak Insurance Claim
If you believe your leak should be covered, follow these steps:
- Stop further damage – Use temporary measures where safe to do so
- Document everything – Take clear photos and videos of the leak and damage
- Check your policy – Look for storm, escape of water, or accidental damage sections
- Contact your insurer immediately – Delays can affect claims
- Get a professional roof report – This can help prove the cause was sudden and accidental
At hkp.ie, we often assist homeowners by identifying the source of leaks and providing professional assessments to support insurance claims.
So, Does Home Insurance Covers Roof Leaks?
To summarise:
- Yes, if the leak is caused by sudden, unexpected damage (like storms)
- No, if it’s due to wear and tear or poor maintenance
- Internal damage, such as ceilings and walls, is often covered even if the roof repair is not
If your roof is leaking and you’re unsure where you stand, getting expert advice early can save time, money, and stress.
Need Help with a Roof Leak?
If you’re dealing with a leak or preparing an insurance claim, hkp.ie can help assess the damage and advise on the next steps. Contact us today for professional roofing support you can trust.
