The first question most homeowners ask when they have a leaking roof is whether or not their insurance will cover the damage. Unfortunately, there is no easy answer to this question.
There are many factors that go into whether or not your insurance policy will cover a leaky roof, including:
Homeowner’s insurance policies typically cover damage caused by “sudden and accidental” events, such as a tree falling on your house or a broken pipe. However, many policies exclude damage that is considered “wear and tear,” such as a leaking roof caused by old age or poor maintenance.
Some insurance companies will offer coverage for certain types of damage, such as leaks caused by ice dams or heavy wind gusts. Other insurance companies will only offer coverage in the event of a total roof failure, such as if your entire roof is blown off during a violent storm.
If you are unsure whether or not your homeowner’s insurance will cover leaking roof damage, it’s best to contact your insurance agent or company to ask about your coverage.
Some of the most common causes of roof leaks that are not covered by homeowners insurance include:
If your roof is leaking and you believe it may not be covered by your homeowner’s insurance, it’s important to contact a professional roofing contractor as soon as possible. At Big Easy Roofing, we specialize in repairing damaged roofs and can help you plan the best course of action for your leaky roof.
If you have a roof leak, the first thing you should do is contact your insurance company or agent to start a claim. From there, an insurance adjuster will be assigned to you whether or not the damage case and will contact you to schedule an inspection of your roof.
Once the insurance adjuster has inspected your roof, they will determine whether or not the damage is covered by your policy. If the damage is not covered, you will be responsible for paying for all repairs out of pocket.
If the insurance adjuster finds that your roof leak is covered by your policy, they will work with you to create a plan for repairing your roof.
If you suspect your roof is leaking, there are several simple steps that you can take to try and locate the source of the damage. The first thing to do is check your attic for any signs of water or moisture. You can also inspect outdoor areas around your home for puddles or damp patches on the exterior walls.
Other common indicators of a roof leak include:
If you are unable to find the source of the leak yourself, it’s best to contact a professional roofing contractor who can help with roof leak detection services.
While you are waiting for your roof to be repaired, there are a few things you can do to minimize the damage:
If you have a leaky roof, it’s important to take action as soon as possible to minimize damage and repair the problem before it gets worse.
If you think your roof is leaking, the best course of action is to have it inspected by a professional roofing contractor. Big Easy Roofing has been repairing and replacing roofs in the New Orleans area. We offer roof inspections and can help you determine the best course of action for your leaky roof.
Contact us today to schedule your roof inspection!
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