How Does Homeowners Insurance Handle a Leaking Roof?

After a storm, it is common for you to contact your insurance to understand your coverage. Depending on the homeowner insurance you bought, there may be a few variations of what is and is not covered. No matter what, if your roof is leaking, your first step should be to determine where the leak is and to read over your homeowners insurance documentation so you know before you call whether or not your damage is covered.

Does Homeowners Insurance Cover Roof Leaks?

When it comes to homeowners insurance for a roof leak, how the roof incurred damage is usually what insurance adjusters are looking at. If the roof is coming to the end of its lifespan and the shingles are starting to dissipate, curl, or break off due to natural wear and tear, that is a situation where your homeowners’ insurance most likely will not cover the leak. However, if the leak originated due to a natural disaster, such as rain or a tree branch knocked onto the roof by strong wind, then insurance is more apt to consider covering the repair costs.

When you conduct regular roof inspections on your home, it is easier to spot some of the unresolved maintenance issues that could eventually lead to a leak down the line. That way if you experience a leak after a severe storm, you can feel confident knowing that it wasn’t the result of an aging roof, but because of a natural disaster, and it will be up to your homeowners’ insurance to pay for the repair.

What Kind of Roof Damage Does Homeowners Insurance Cover?

Homeowners’ insurance policies typically exist to help protect the overall structure of your home from certain environmental perils that can cause damage to the structure of your home. Your homeowner’s insurance will cover damage brought on by strong winds, heavy rain, fire, and hail. For example, if after a severe storm, your roof is damaged due to a tree falling on it and piercing the shingles, or strong winds knocked your shingles out of place, you can file a roof leak insurance claim to get the damaged fixed.

It is important to keep in mind that even with homeowner’s insurance, you will still need to pay a deductible and there is usually a limit to the amount of coverage you receive. If the damage goes above what your roof leak insurance will cover, it is possible that you will have to pay for the rest of your roof repair of pocket, even if overall, the damage is from something covered by your insurance.

RoofClaim.com Can Help

If you have questions about whether your homeowners’ insurance will cover roof leaks, you can always get in touch with the team of experts at RoofClaim.com. We have worked with owners of residential and commercial property for years and can help walk you through any confusion and help communicate with your homeowners insurance.  If you have questions or would like to request more information, contact us via email or convenient online chat.  If you are ready to get started, you can schedule a free inspection to determine the source of  the leak.

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How to Handle a Hurricane Damage Roof Repair Project

When a hurricane bears down on residential buildings, it can cause severe damage to every home in its path. Roof damage after a hurricane because of heavy rain and strong winds can make your home uncomfortable or even uninhabitable until it’s repaired. If you find yourself in this unfortunate situation, RoofClaim.com can help make the process of getting your roof fixed as easy as possible with our advanced technology, wealth of experience, and nationwide network of expert contractors.

What to Do When Your Home Sustains Hurricane Damage

If you live in an area that could potentially experience a hurricane, it’s a good idea to be prepared by learning what to do both before and after the storm. Once a hurricane has passed, here’s what to do next:

  • When you first arrive at your house after the hurricane has left the area, it’s important that you take photos of any damage that has been sustained to your home before you do anything else. Taking photos of your hurricane roof damage for insurance purposes can help provide a visual of what kind of damage needs to be addressed.
  • Keep an eye out for outdoor hazards. Your home isn’t the only thing that may have sustained damage; trees on your property and power lines could also be affected by strong winds and heavy rain. Dangling power lines and broken tree limbs should be reported to the proper authorities to ensure that nobody is injured.
  • If your home suffered flooding, try to avoid contact with the floodwater, as it may contain harmful contaminants or debris. If possible, pump the water out, then dry out the space as quickly as possible while wearing protective gear. The sooner the water is out of your home, the more likely you are to avoid mold growth in those areas.
  • Complete as many temporary repairs as possible to prevent additional damage. Contact your insurance company about the repairs that are much larger and harder to do on your own.
  • Don’t turn on your utilities until it is deemed safe. Electric or gas appliances have a high risk of causing electrical shocks or fires if they are turned on while they are still wet.

Does Homeowners’ Insurance Cover Roof Damage From a Hurricane?

If you have homeowners’ insurance and you’ve experienced hurricane roof damage, an insurance claim can help with the cost of repairs. Severe storm damage is typically considered to be an “act of God” under your insurance policy. However, check your policy carefully, as some insurers exclude hurricane damage or limit coverage for policies in hurricane-prone areas. Also, note that damage caused by flooding is usually excluded from a standard homeowners’ policy; you’ll need additional flood insurance to cover that.

If your roof has suffered hurricane damage, it’s important to file your claim as quickly as you can; if you fail to do so, your insurance company may deem you ineligible for coverage.

If you’re wondering, “Does my homeowners’ insurance cover roof damage from a hurricane?” or if you have any other questions about the damage to your roof and how to get it fixed, let the experts at RoofClaim.com help. Get Started today with a free inspection or contact us via our convenient online chat.

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Hurricane Preparedness

When a hurricane is approaching, there often isn’t time to prepare your home properly to prevent damage. To keep your family and belongings safe this Hurricane Season, here are five important things you can do right now to protect your home.

Reinforce exterior doors

In newer homes, entry doors are usually up to hurricane strength standards. Many exterior doors, regardless of the home’s age, however, need reinforcement to handle strong winds. Installing a deadbolt is the best answer; if you don’t have one, it’s significantly more secure and effective, but even if you already have one, an additional bolt kit at the top and/or bottom of your doors will provide additional stability.

Don’t forget your garage door, too. It’s traditionally the most vulnerable exterior door and easily overlooked. Reinforcement kits can be found at most home improvement stores and are easily installed.

Prepare your window covering

Your windows are vulnerable to numerous threats from a hurricane. Heavy winds can launch projectiles through the glass; changes in air pressure can cause bowing, rattling and cracks; rain can seep in at the edges. You can easily add weather stripping to improve the window seal and reduce leakage.

Regarding window covers, most people immediately picture huge sheets of plywood, but there are other options. Installing professional storm shutters is the best choice, and can be deployed as needed for maximum security. This can be cost prohibitive, though, so you may consider pre-cut plywood covers, sized to each window and labeled for easy installation when the storm is approaching. Whatever material you choose, be ready before the rush and avoid the huge lines for scarce plywood at the local lumber stores. And remember, taping up windows does nothing to protect your home.

Schedule a roof inspection

Your home is your biggest investment. Your roof is what protects your home, your family and many irreplaceable items inside. Most people never really look at their roof close enough to notice any damage or issues. Loose, missing or worn shingles, gaps in seals, and hail damage are very easy to overlook. These areas are vulnerable to leaks whenever a storm, small or large, comes along.

Proper roof maintenance is a necessity if you want to maintain your home’s value and keep your family and belongings safe. A roof inspection is the best way to get peace of mind.Taking the time to have your roof evaluated by a professional contractor could save you a huge headache when a storm has passed and thousands have storm damage. Jasper Contractors offers free shingle and tile roof inspections and is equipped with a highly trained team. If your roof has existing damage, you may even qualify for a new roof.

Prepare of loss of utilities

The most common immediate fallout from a hurricane is the loss of electricity. Before the storm arrives, turn your refrigerator and freezer to their coldest settings. This helps your food last much longer without power. Consider a generator and room air conditioner, if you choose to stay in your home during or after the storm. Be sure to unplug appliances, especially TVs and computers, to avoid power surges or lighting strikes. Before the storm, locate your Main Electrical Panel and know how to turn off power to your entire home.

You should also know how to turn off your main water valve. During and after a hurricane, there can be loss of pressure, pipe damage, or, most commonly, a contaminated water supply. A storm surge or flooding can affect freshwater, making it necessary to boil or decontaminate water before drinking or bathing. The best option is to prepare in advance, by storing one gallon of fresh water per person per day, for as many days as you can. Drinking water can be stored in bottles and coolers, but it is not recommended that you drink water stored in bathtubs. One

great idea is to freeze water in bottles before the storm, so it can provide sanitized cooling for food, then melt into drinking water.

Having supplies, tools, batteries, a generator and living space prepared well in advance can make a difference in how well you wait out the storm and its aftermath.

Have a place for everything in advance

Knowing where everything and everyone will be during the storm BEFORE the storm is crucial. Have a meeting place – inside the home for maximum structural protection (closet, bathroom) and outside the home in case of severe damage that forces evacuation (car, backyard). Gather important items like cell phones, wallets, important papers or medication, into one water-proof bag that can be brought with you anywhere you go. Make a checklist and prepare in advance.

All loose items outside should have a predetermined place to weather the storm. Grills, patio furniture, plants, trash cans – all these and more need to have places they’ll fit when the time comes. A garage, shed, covered patio, even the pool can be a good place to keep your belongings from flying around, getting damaged or lost, and causing damage to your home.

Taking time now to organize, prepare and protect your home before a hurricane can pay huge dividends afterward. Saving time, money and inconvenience, not to mention avoiding the blue tarp, can be as easy as taking some simple actions now, like a roof inspection, storm shutters or garage door reinforcement, before it’s too late.

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