Watch out for these signs of damage to your roof.
The roof is one of the most critical parts of your home. Without it, you won’t have anything to protect yourself from the elements. After all, walls alone can’t keep you safe. So, if your roof is damaged, it can be devastating.
You don’t want to suffer from the effects of a damaged roof. With its crucial role, it’s essential to keep your roof properly maintained and to repair it promptly when damage occurs.
You need to know the signs of roof damage and call for help when needed. Thankfully, your home insurance policy can help when you need to repair or replace your roof.
Roof Damage and Insurance Coverage
Unquestionably, a homeowners insurance policy is one of the best things you can get for your property. But does your home insurance cover damages to your roof?
When you see signs of roof damage, you must seek help from your insurance company to know the extent of your coverage. On top of this, the services of a public adjuster will help you get the most from your policy.
If you’re wondering what kind of destruction to your roof qualifies you for insurance claims, then this list can help.
- Damage from extreme weather conditions like thunderstorms and heavy rain.
- Damage from strong winds or hurricanes.
- Damage from hail
- Damage from falling objects, such as trees.
Roofs can last up to 20 years. Unfortunately, your insurance does not cover the wear and tear from its lifespan. But of course, the coverage you get depends on your policy. So, make sure you review your insurance every year and keep it updated, especially when you have improved your property.
Common Signs of Roof Damage
Usually, roof damage, like water damage, can only be covered if nature or an accident is the reason behind the destruction.
So, whenever you see signs of roof damage, assess it properly and contact your insurance agent to know the following steps to take.
Here are ten of them:
Missing or broken shingles
Shingles are the overlapping elements that make up the roof. They are vulnerable because of constant exposure to the elements.
So, the damage will most likely follow when there’s extreme weather. If some of them are missing or broken, the effects can be apparent. It won’t be long before a leak occurs inside your home.
Exposed nails
Exposed nails are primarily the result of faulty frame sheathing, where workers sometimes miss hammering to the beam. The exposed nails are found on the underside of the roof and come with a hole too small. Unfortunately, such a hole will soon cause leaking and subsequent damage.
Clogged soffits
Soffits are the part of the roof beneath the eave. They are responsible for air ventilation into the attic.
But, as necessary as they are, they can also get clogged easily, which leads to moisture pockets on the roof. Eventually, these pockets will develop mold and cause various harmful effects on your home and family members.
Stains on the ceiling
Stains on the ceiling are some of the most apparent signs of a leaky roof, indicating leakage and water damage. While you may not see the cause of the stain, quickly, checking the attic for its origin will lead you to a hole.
Clogged gutters
Gutters are part of your roof drainage system. Unfortunately, leaves, twigs, and other things can easily clog them and cause water to back up toward the sheathing. Then, your roof becomes extensively damaged, and the structure of your home becomes compromised.
Missing aprons
Gutter aprons are the lower L-shaped part of the roof covering the roofing material. Without them, your gutter system is subject to damage from splashing or dripping water and may cause the rotting of wood elements.
Loose flashing
Flashing secures the joints in your roof where water usually passes and directs them into the gutters. If they are missing or damaged, your roof will leak, especially in vulnerable areas.
Broken vent boots
Roofing boots or plumbing vent boots have waterproofing purposes for pipe penetrations. They also secure the pipes to the roof. However, natural elements can cause the boots to crack, allowing leaks into your home.
Drilled holes
Holes in your roof are not only caused by time or natural elements. You might also be responsible for such damage, even if unintentional. Unfortunately, drilled holes can lead to leaks. So, when you drill something on the roof or ceiling, make sure you waterproof it.
Mold
Where there’s moisture, there will eventually be mold. Moisture is almost always an indication of leakage. So, if you ever find mold in the ceiling or walls, look for holes in the roof.
When you see signs of roof damage, inform your insurance company, and seek help from a public adjustor to ensure your insurance company doesn’t underpay your claim.
Contact Property Protectors if Your Roof is Suffering from Damage
No matter the scope of your roof damage, contact Property Protectors today. Our experienced public adjusters will inspect your roof and work with your insurance provider and ensure you get the settlement you need to repair your roof and make your home safe again.
Contact Property Protectors today to get a free consultation for our adjustment services today.