Roof damage

Residential

What to do with a damaged roof. Should I file an insurance claim on my roof? How do I know if my roof damage is enough for an insurance claim? The Simple Step by Step Guide on how to handle your insurance when it comes to your roof.

I have brown spots and mold growing on my ceiling. What should I do?

If you have brown spots or mold on your ceiling that definitely means you have a form of a leak from either your roof, your plumbing, or your air conditioning. Your first step should be locating the source of this drip. If it is a roof leak then you should refer to our other passages above on how to solve this issue. If it is an active drip that is not caused by a roof related issue then you should refer to our other page on how to handle this process.

What to do with leaky shingle roof? How do I know when to replace or repair my shingle roof?

Asphalt shingles are the most common and affordable roof. The roof is made of individual roof shingles that are nailed and bonded together with an adhesive that formulates one unified sheet. This type of roof is susceptible to puncture and impact damage from hail and wind-blown debris. It is also a victim to high winds that may move the material around. Because this roof is made up of hundreds or thousands of individual sheets it has a high potential for an opening that may lead to damage.

Will insurance cover my damaged roof? Will insurance cover my leaking roof?

It depends on what caused the damage or what is causing the leak. The first step in knowing is that YOU find the source of the problem. If you rely on your insurance company to do this that is where you are going wrong. Wear and Tear tends to be the most common conclusion that your insurance company will come up with in this situation. It just so happens that wear and tear is the most common non-covered roof damage that leads to a denied claim.

When to make an insurance claim on my roof?

Once you determine the source of the damage, and what may have caused the damage then you should hire someone (i.e. public adjuster, contracter, roofer, or home inspector) to assess the damage and determine a price. In this step you should ask to get a certified document that represents this evaluation. After you have obtained the official estimate then you should proceed to file a claim with your insurance company. By doing this you are eliminating your insurance company’s ability to improperly deny your claim.

What to do if my insurance company denied my roof claim?

The first thing you should do is determine if you are facing a true denial. A true denial is a claim that does not fit the named perils in the insurance policy in other words the cause of the damage does not meet the listed possible covered causes in the policy. For example, if a policy excludes weather related damage, and your roof was blown off by a tornado then your insurance policy would not qualify to cover for a new roof. In this situation you should contact a public adjuster or property casualty attorney to review your claim and circumstance. A denial may be the result of human error so it is always recommended that you double check with a professional you hired not the one your insurance company hired.

Why did my insurance company only repair my roof?

An insurance policy is a contract between you and your insurance company. Once coverage is determined everything from there is a negotiation. An insurance company is a for profit organization meaning they will do what they can in their best interest to maximize their profit. When a claim is filed they send their own adjuster to represent them and to put forward an offer in their best interest. The adjuster they pick is completely up to them, and does not have to meet an form qualification to offer a price. The key word in all of this is the word “offer” nothing offered is set in stone and is always able to be negotiated. You should hire your own professional to negotiate on your behalf and for your best interest. You may very well deserve or need more than a repair on your roof, but it is up to you to inform your insurance company of this.

How do I know when to repair or replace my roof?

The building codes in the state of Florida mandate you to replace a roof if 25% or more of your roof is damaged. Truth be told there are many different answers to this question each situation being unique. If you follow these steps that I have given you on how to handle an insurance claim on your roof then you should be able to determine the extent of the damage, and will still likely need to reach out to a claims professional to help guide you on this road to recovery.

What to do with leaky Clay/ Cement roof? How do I know when to replace or repair my Clay/ Cement roof?

The clay and cement on a roof are not the only things protecting your structure from the outside elements. The prime material protecting your structure is the underlayment or the base that the roof is built upon. This rubber material is what is applied onto the wood of your roof when your roof is first made. If you have this type of roof and you’re experiencing a leak that means that you have two areas of damage: the tile itself and the underlayment.

What to do with leaky rubber/ torched down/ flat roof? How do I know when to replace or repair my rubber roof?

This is the most basic form of a roof. It consists of a base that is applied to the wood structure of the roof. Then an asphalt product that is similar to a shingle, but it comes in a roll is then stretched out across the roof surface. It is then torched where the material meets for a water tight seal. This roof is prone to damage from wind blown debris and hail that may puncture the rubber. It is also a victim of high winds. These winds can move the rubber around. 

Was my roof damaged by wind? How to tell if wind damaged my roof?

Wind is capable of many different roof damages. It could be just a few shingles or an entire roof. The damage may be very obvious or ever so slight. A shingle could become loose and detach which means when the wind blows a single shingle could raise up and allow an opening to form which could only allow elements in if any. This type of problem is tricky to catch because when the wind is not blowing the shingle will not rise up meaning it is disguised and somewhat functional. You should bring out an expert for an in depth analysis. 

Was my roof damaged by a storm? How to tell if a storm damaged my roof?

There are three main damages a storm can have on a roof: wind, flying debris, or falling objects. Wind is capable of many different roof damages. It could be just a few shingles or an entire roof. The damage may be very obvious or ever so slight. A shingle could become loose and detach which means when the wind blows a single shingle could raise up and allow an opening to form which could only allow elements in if any. This type of problem is tricky to catch because when the wind is not blowing the shingle will not rise up meaning it is disguised and somewhat functional. You should bring out an expert for an in depth analysis. 

Was my roof damaged by hail? How to tell if hail damaged my roof?

Hail can damage any type of roof. Hail could break a tile completely or it could chip the finish glaze on the tile which would shorten the lifespan of a tile. An asphalt roof is made of layers: a netted mesh that is infused with asphalt which is layered with a granule, ceramic finish. The hail will chip away on the finish of an asphalt roof allowing for the sun to wear on the roof causing for a premature lifespan. Most roofs have warranties that are voided by hail damage meaning you are owed a new roof by your insurance company. A metal roof has obvious dents which are microscopic fractures, and it also a glaze that is ruined meaning lifespan is shortened. The hail also causes a lot of vibrations which could break the protective seal. The weight of the hail may cause structure damage as well.

Was my roof damaged by a tornado? How to tell if a tornado damaged my roof?

The main cause of damage in a tornado is wind. Wind is capable of many different roof damages. It could be just a few shingles or an entire roof. The damage may be very obvious or ever so slight. A shingle could become loose and detach which means when the wind blows a single shingle could raise up and allow an opening to form which could only allow elements in if any. This type of problem is tricky to catch because when the wind is not blowing the shingle will not rise up meaning it is disguised and somewhat functional. You should bring out an expert for an in depth analysis. 

Was my roof damaged by a falling object? How to tell if a falling object damaged my roof?

Anything can be considered as a falling object. For example trees, bullets, branches, aircraft parts, hail, meteors, structural objects, or really anything you can imagine.