Tips for a Leaky Roof

A leaky roof can swiftly escalate from a minor nuisance to a significant problem, potentially damaging your home and possessions. Therefore, it’s essential to know how to promptly address the issue and manage the intricacies of insurance claims.

Identifying and Fixing the Leak

The following are some tips to help you navigate the process of fixing your roof:

• Locate the source. Start by identifying where the leak is coming from. Check your attic for wet spots on the rafters or sheathing. Look for missing or damaged shingles, cracks in the flashing or blocked gutters.

• Implement temporary fixes. If you can’t hire a professional immediately, use temporary measures to minimize damage. Tarp the affected area or use roofing cement to seal small cracks.

• Hire professional repair services. For a permanent solution, hire a professional roofer. They have the expertise and equipment to safely and effectively repair your roof.

Insurance Considerations

Your homeowners insurance may help cover your roof repair. Review the following considerations for filing a claim:

• Review your policy. Understand what your homeowners insurance covers. Most policies financially protect against damage from specific perils like hail, wind and fire, but not from wear and tear.

• Take photos and videos of the damage. This documentation can be essential when filing a claim.

• File a claim promptly. Contact your insurance company as soon as possible to report the damage. Provide your insurance agent with all necessary documentation and follow their instructions carefully.

• Consistently inspect and maintain your roof. Insurance companies are typically more likely to approve claims for damage if you can demonstrate that you’ve been proactive about upkeep.

• Understand exclusions. Be aware of what your policy does not cover. For example, damage due to neglect or lack of maintenance is typically not covered.

Learn More

Contact Alliance Insurance & Realty to learn more about the intricacies of homeowners insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.