Home Insurance Roof Damage – As a homeowner, one of the worst feelings can be watching the roof over your head deteriorate right before your eyes. Regardless of whether your roof has recently suffered storm damage or has been in need of repair for a long time, you may face unforeseen costs. In most cases, roof leaks often result in damage to electrical wiring, the ceiling, or the walls, depending on where the water leaked. It is better to detect the roof leak as early as possible as it can potentially save you thousands of dollars in the long run.
Detecting a roof leak is stressful in itself, but now you have to deal with your insurance company…we know how that usually goes. We will also discuss how a public regulator might be the best option in this situation.
Home Insurance Roof Damage
Before we move on, let’s take a look at some early signs to look out for as roof leaks can quickly become expensive. So what is covered by insurance and what is not?
Insurance Denies Your Roof Claim: What Next? (3 Steps To Follow)
Generally, roofs last around 20 to 30 years, but a number of factors can drastically shorten the lifespan of these roofs by almost 50%. One of the most noticeable aspects of a leaky roof is stains on the ceiling. In some cases, these types of stains can spread to the ceiling or walls. In any case, this is a sure sign that a roof is in need of repair because if left unchecked, it could potentially lead to the entire ceiling needing repair. Not to mention, water entering these areas can ultimately cause much larger and more expensive problems like mold, dry rot, damaged insulation, and more. You shouldn’t brush a stain off the ceiling for these exact reasons.
Damaged roof shingles are another sure sign of a possible roof leak that is visible on the outside of your home. Shingles are intended to protect the rest of the roof from the elements. If they start to break, the roof will be exposed to them, which can lead to further problems.
These are just a few ways to detect a roof leak. Although they may seem fairly normal, most homeowners ignore these problems for a day. Now that you know them, let’s take a closer look at how your insurance company will cover the cost of fixing a leak.
In general, your insurance policy is the best place to check exactly what your insurance covers for roof leaks. However, it is important to note that some insurance policies do not cover leaks caused by poor home maintenance. Depending on the original cause of the leak, some insurance companies may also be reluctant to help you finance the repairs. That’s why identifying and fixing possible causes, such as damaged ceilings or roof shingles due to water damage, can save you a lot of money in the long run.
Is Your Roof Covered Under Homeowner’s Insurance?
When a roof leaks, mold and fungi are usually a direct result of the problem. Unless otherwise stated, your insurance will endeavor to cover the proper removal of any mold infestation. However, if the leak wasn’t reported promptly, you’ll likely run into problems with your insurance company not being willing to pay for the repairs.
We know that repairing a leaky roof can quickly become expensive and stressful. Let us negotiate with your insurance company to ensure you get the money you deserve to get your home or business back to normal. Instead of paying thousands of dollars out of pocket, would you rather have your insurance company cover it? We can help!
