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I assume that you are speaking of a property insurance claim involving a leak and subsequent damage caused by water damage. Property insurance is not made to cover maintenance of your property. The payment of the claim is determined by the cause of the initial damage and some other factors. One main thing to remember is that damage must be "sudden and accidental". Covered causes included fire, lightning, windstorm, weight of ice and snow, vehicle or airplane collision, theft, vandalism, etc. depending on your policy type and terms. A leak in the roof due to maintenance is not a covered cause and therefore not paid. If a storm blew a tree limb on the roof causing a hole then it is covered as well as damage from rain. You also have a requirement to mitigate the damage meaing that you have to do what you can to limit the damage as much as possible.

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14y ago

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