Two male roofers in hard hats and overalls collaborating on an asphalt shingle roof, with one on a ladder passing a toolbox to the other standing on the roof. Roof leaks are more common and costly than many homeowners realize. Recent data shows that water damage or freezing makes up 22.6% of all U.S. homeowners insurance claims, with the average claim costing more than $15,000. Heavy storms, loose shingles, or worn-out materials can allow water to enter your home in seconds.