When you notice stains or molds on your ceiling, chances are you have a roof leak. One of the usual reasons for roof leaks is the poor installation of numerous aspects of a building. Unfortunately, if you don’t have it repaired, the leaking will only get worse – and expensive. Improper installations and subpar constructions are responsible for a wide range of causes that result in water damage. This includes faulty pipes, leaking roofs, land grading, and more. If your house or building’s leaking roof is causing disruption to your day-to-day life, you can file a claim against the insurance company or file a leaking roof lawsuit to help you get compensation for all the losses and injuries you suffered. Just make sure to keep all the invoices and receipts of leaking roof repairs to help substantiate your claims for loss and damages. This will also help prove to your insurance company that you are doing your best to maintain the roof and prevent further damage.
The dwelling coverage portion of your homeowner’s insurance covers the house structure, including the roof. The type of roof damage covered by your leaking roof lawsuit claim depends on the policy’s terms and why your roof needs to be repaired or replaced. Generally, the insurance policy covers issues that are sudden or accidental and caused by certain events such as hail, fire, wind, or the weight of snow.
In some leaking roof claims, the roof’s lifespan is shortened because of the damages. Your insurer may cover the cost of replacing the entire roof even if it’s only partially damaged. For instance, if a homeowner has asphalt shingles damaged by hail strikes, an adjuster would count the total strikes that occurred in a section to regulate the impact on the lifespan of the roof. If there are enough strikes, the roof lifespan is deemed substantially impacted, which means the roofing needs to be replaced.
Even if a roof is not taking in the water right now, the erosion or strikes compromise the lifespan of the roof. Thus, your roof will not last as long as it should and must be replaced.
If the materials to fix your roof are unavailable, the insurance company will replace your entire roof. For instance, if you have slate tile that you can’t get anymore, you may have to replace the entire roof to ensure the materials match.
Home insurance companies in the past years have been walloped by numerous expensive roof claims. To combat this, many home insurers have implemented different coverage levels for wind and hail damage versus roof damage from other causes. You might find that:
Since it is your responsibility to maintain your home, policies don’t cover damage caused by the lack of maintenance. Therefore, repairing your roof due to wear and tear or replacing it because its lifespan is over will not entitle you to compensation from the insurance company.
Lack of maintenance could also come back to bite you after a storm. For example, if your roof was old or not well-maintained before the storm, you will have trouble getting the full reimbursement.
Homeowner’s insurance does not cover damage caused by floods or earthquakes, such as roof damage. So, if you live in an area at risk of these disasters, it’s better to consider getting earthquake insurance or flood insurance instead.
Here are five tips to keep in mind when filing a roof damage claim.
The first step to getting a fair leaking roof settlement is understanding your policy and the scope or coverage. There is no point fighting for coverage that you never had. For instance, is the roof damage actually covered, or did you choose to exclude wind and hail damage? Is your coverage for replacement cost or actual cash value?
If you find that there is roof damage from a storm, you must inspect your entire home, not only the roof. In addition, you will want to know the scope of the damage when you contact your insurer to start a claim.
Get an estimate for the repair based on what you had, not how you want to change things. Therefore, it is better not to rely on the adjuster to determine the repair cost of the roof. Instead, get a written estimate with a roofing company’s letterhead and the company’s contact information.
Time plays an important role when dealing with a roof claim. The longer a roof sits with damage, the more weather and dirt it receives. This might make it less obvious to see the damage since it could look like wear and tear.
Keep records from the start, including photos, who you spoke to and when, and what they told you.
What starts as a seemingly simple leaking roof lawsuit could blow up into a nightmare if you don’t hire professional lawyers who have experience handling such cases. So, hire only the right leaking roof attorney to guide you through the process of filing.
Whenever there’s roof damage, it’s crucial to protect your home from further damage. Preventing further damage when possible is often a requirement in homeowner’s policies, and further damage may not be covered. Discuss your case with the top leaking roof lawyers to know more about what you should and shouldn’t do as you prepare to make a claim.
Don’t let the insurance company boss you around. Remember that insurance companies are a business and may not have your best interests in mind when it comes to paying out roof damage claims. Nonetheless, convincing them with substantial proof will help you get a fair leaking roof lawsuit settlement without any hassle.
Don’t get multiple estimates. If you get multiple estimates, your insurance company will want to see all of them and may only accept the lowest one. The lowest estimate may not be the best quality.
Consider getting roofing materials that can get you an insurance discount. Research materials that will be more durable than your past roof. Your insurance company might be willing to offer a discount for impact-resistant roofing. Check with the insurer on roof material discounts before you make a final pick.
Know that you are entitled to fair trade pricing. Therefore, ensure you have a solid repair estimate.
Finally, it doesn’t matter whether you have a large or complicated claim – consider hiring a skilled and experienced leaking roof attorney to work on your behalf.
To help establish and prove your leaking roof lawsuit, the victim needs the support and assistance of a reliable lawyer. Ethen Ostroff Law can provide you with the best references to top leaking roof lawyers in Philadelphia who can help prove your claim or win your lawsuit. What are you waiting for? Contact Ethen Ostroff Law now at 610-510-8883 ( by calling this number, you consent to receive SMS updates from Ethen Ostroff Law) or Submit Form to get free consultation.
His career began in public service as a Surveillance Officer in Maricopa County, where he gained firsthand experience in high-stakes decision-making and developed a deep sense of discipline and accountability. He later served as Chief Operating Officer of a fast-growing law firm, driving efficiency, revenue growth, and team development. Today, Ryan focuses on helping law firms reach their full potential by aligning people, processes, and long-term vision. A strategic thinker and empowering leader, Ryan is passionate about developing others and guiding organizations through meaningful, lasting growth.
Passionate about securing legal rights, Joseph actively participates in pro bono work through various organizations, including Christian Legal Aid of Pittsburgh and the ABA Military Pro Bono Project. Licensed to practice in Pennsylvania and the U.S. District Court for the Western District of Pennsylvania, he is a member of the Allegheny County and Pennsylvania Bar Associations. Outside of work, Joseph enjoys sports, reading, and creative writing, and has been involved in rowing and curling. He resides in Mt. Lebanon, Pennsylvania, with his parents.
Nicholas began his post-graduate career clerking for the Honorable Linda Rovder Fleming in the Cambria County Court of Common Pleas. From there, he quickly found his calling in workers’ compensation, personal injury, and Social Security disability law—areas where he could directly impact people’s lives in moments of crisis. He’s helped clients navigate complex legal claims, including securing a settlement exceeding $300,000.
Nicholas brings clear communication, genuine empathy, and an unrelenting drive to achieve the best outcomes for his clients. Whether he’s navigating a complex workers’ comp claim or pushing for a major settlement, he brings focus, dedication, and deep legal knowledge to every case.
He’s also a proud member of Pennsylvania Advocates for Justice and remains active in various professional legal organizations. Nicholas is licensed to practice law in Pennsylvania.
When he’s not fighting for the injured, Nicholas is enjoying time with his family, kicking a soccer ball around, hitting the golf course, or cheering on Pittsburgh’s local teams.
Joe Ring heads the workers’ compensation department at Ethen Ostroff Law, where he takes pride in fighting for injured workers.
Joe is a Philadelphia native and maintains deep roots in the area. As the grandson of a Philadelphia Firefighter, son of a Philadelphia public school teacher, and veteran of the United State Marine Corps, he was taught to value service, dedication, and hard work. He applies these values to every case and takes great satisfaction in representing hard-working clients with those same traits.
After obtaining his bachelor’s degree in history from St. Vincent College in Western Pennsylvania, he graduated from Villanova Law School in 2012 and, since then, has litigated hundreds of workers’ compensation hearings and trial depositions on behalf of both employers and injured workers. During this time, Mr. Ring has written articles and presented Continuing Legal Education courses on developments in Pennsylvania Workers’ Compensation Law. He is active in local professional organizations, and, in 2022, he served a Co-chairperson of the Philadelphia Bar Associations Workers’ Compensation Section.
Since coming to EOL in 2024, he has dedicated his practice entirely to helping injured workers navigate the system and obtain their rightful benefits.
Joe is licensed to practice in Pennsylvania.
Brandon Zanan heads the personal injury claim department with Ethen Ostroff Law.
Brandon’s education in both law and medicine assist him in expertly representing badly injured victims. Brandon has a Master’s Degree in Forensic Medicine from the Philadelphia College of Osteopathic Medicine, with a concentration in anatomy and pathology. With this knowledge, Brandon is skilled at analyzing medical records and understanding injuries that are common in personal injury claims. He uses this expertise in conjunction with listening carefully to each client’s needs, in order to fiercely advocate for clients and tell their stories when they would not otherwise have a voice.
Brandon’s background includes a variety of experience and skills in various areas of civil practice. He is the author and editor of numerous books for the George T. Bisel Publishing Company, including “Pennsylvania Damages” and the “Pennsylvania Vehicle Code Annotated,” two texts that are frequently relied on by lawyers and judges across Pennsylvania as authoritative resources on personal injury law.
Brandon is a member of the Pennsylvania and Montgomery Bar Associations. He is also a member of Pennsylvania Association for Justice, and has served as an executive board member of the Montgomery American Inn of Court.
He is admitted to practice in the Commonwealth of Pennsylvania, the United States District Courts for the Eastern District of Pennsylvania and Middle District of Pennsylvania, the State of New Jersey, the United States District Court for the District of New Jersey, and in the Commonwealth of Virginia. Brandon has represented many clients in motor vehicle, premises liability, animal bite, and products liability cases across Pennsylvania and New Jersey and has obtained outstanding results with millions of dollars recovered for his clients.
He has been named a Pennsylvania Rising Star from 2021 onward. The “Super Lawyers-Rising Star®”, list recognizes no more than 2.5 percent of attorneys in each state
Brandon currently lives in Malvern with his wife Rachel and their son Max.
Effective Date: July 10, 2024
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