A roof leak is an emergency that requires immediate action. Kotikatto.fi's emergency service is available 24/7 year-round. Call us immediately — we'll be on site within 1–3 hours and carry out a temporary repair right away.
How we respond in an emergency
Call us
Tell us about the situation. We'll assess the urgency and get moving immediately.
We assess the situation
On site within 1–3 hours. We determine the extent and cause of the leak.
We repair immediately
We carry out a temporary repair right away. A permanent fix is arranged separately.
When to call the emergency service
Call the emergency service immediately if you notice an active roof leak (water dripping inside), storm has damaged the roof, a tree has fallen on the roof, flashings have come loose in the wind, or a gutter has detached and is causing water damage. The sooner you call, the smaller the damage.
What the emergency service includes
Our emergency service includes rapid response (1–3h), locating the leak and assessing the situation, temporary repair to stop the leak, a written report of the damage, and recommendations for a permanent repair. The temporary fix prevents further damage until a permanent repair can be made.
Emergency service pricing
A temporary repair typically costs 200–500 € depending on the extent of the damage and materials needed. You always receive a price estimate before work begins — no surprises. Insurance companies often cover acute leak repairs under home insurance.
Most common causes of roof leaks
A roof leak is almost always caused by one of the following reasons. Identifying them helps you understand why a fast response is critical and how leaks can be prevented.
Storm damage Storm damage is the most common cause of sudden roof leaks in Finland. Strong wind detaches roof covering and flashings, allowing water to penetrate the substructure. Bitumen roofs and older metal roofs are especially vulnerable as they age.
Ice dams and meltwater Ice dams pose a risk in spring and during mild winter spells. When snow melts during the day and refreezes at the eaves at night, ice dams form that force meltwater under the roof covering and into the structure.
Aged penetration seals Aged penetration seals are a common hidden leak point. Chimney flashings, ventilation pipes and antenna penetrations dry out and crack within 10–15 years. These leaks are insidious because they aren't visible from the outside until water has already penetrated the structure.
Mechanical damage Mechanical damage is caused by tree branches, ice blocks, animals or construction work. For example, a storm-felled tree can damage roof structures across a wide area. Nesting by birds and squirrels can also damage the underlay and insulation.
Underlay failure Underlay failure is typical in roofs over 20 years old. When the underlay no longer channels water to the eaves, water enters the structure. Underlay condition cannot be assessed from outside — it requires a professional inspection via the attic.
How to minimise damage before the professional arrives
A roof leak causes damage every minute, so taking the right steps immediately can save thousands in repair costs. Follow these instructions while waiting for the professional:
Catch the water Place a bucket or container under the leak point.
Move electronics Move electronics and valuables away from the leak area.
Protect the floor Cover the floor with plastic or tarpaulins.
Turn off electricity Switch off power to the leak area if water is near electrical appliances.
Take photos Photograph the damage for your insurance company.
Do not climb on the roof Do not try to repair the roof yourself — a wet roof is extremely slippery. Call us: +358 44 902 7896.
Insurance coverage for roof leaks
Home insurance typically covers damage caused by sudden and unforeseen leaks. This includes, for example, water damage from storm-damaged roofing or a sudden pipe burst. However, long-term moisture buildup due to neglected maintenance is typically not covered.
Notify your insurer Report the damage to your insurance company as soon as possible.
Document the damage Take photos of the damage before any repair work.
Save all receipts Keep all receipts for repair work and materials.
Maintenance neglect Damage caused by neglected maintenance is usually not covered.
Emergency repair costs Emergency repair invoices are usually part of the insurance claim.
Temporary accommodation Home insurance may cover temporary accommodation costs if the property becomes uninhabitable.
When is a leak an emergency vs. non-urgent?
Below is a comparison of emergency service and standard maintenance.
| 24h emergency service | Standard maintenance | |
|---|---|---|
| Response time | 1–3 hours | 1–5 business days |
| Availability | 24/7, including holidays | Mon–Fri 7–18 |
| Call-out fee | 149 € | No call-out fee |
| Hourly rate | 75 €/h (+75 % night/weekend) | 65 €/h |
| Temporary repair | Always on first visit | When needed |
Why choose Kotikatto.fi emergency service?
Kotikatto.fi's emergency service stands out with speed, expertise and transparent pricing. Our technicians are experienced roofing professionals who quickly identify the cause of the damage and carry out an effective temporary repair. We don't charge unnecessary overtime fees or hidden costs — you get a clear price estimate on the phone before we set off. Our emergency service covers the entire southern Finland area, and we are continuously expanding. Every emergency call-out includes a written report that can be used directly as an insurance claim attachment.
Related services
After the acute situation, we recommend a roof maintenance visit and a condition assessment to understand the full picture. If the roof needs to be replaced, read about roof renovation or check our guide on common roof problems .
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Content reviewed and verified
Updated: April 2026
