Risks Of Having A Damaged Roof

A typical all perils homeowners insurance policy does cover your roof and the cost of replacing it if it gets damaged.

Risks of having a damaged roof.

In my experience over 80 of people who are told by their insurance company that some damage is not covered instantly give up. The amount and type of damage hail causes on roofs depends on a variety of factors. The risks occur when damage fire or disturbance to the products cause the asbestos fibres to become loose and potentially airborne. When these tiny fibres are inhaled they do not decompose and remain permanently lodged in the lungs which can lead to fatal diseases as the body attempts to fight these alien fragments.

That s the good news. Flat roofs are often boarded with plywood which can delaminate and become fragile with prolonged water damage. The most obvious consequence of a leaking roof is the damaged rafters ceiling joists wall framing and even fascia boards and exterior trim can become victims of water intrusion. If you have storm or a wind damaged roof you ll likely be anxious to get it repaired or replaced and want to ensure a payout and subsequent repairs as soon as possible.

How to mitigate against leaking. This will create risk of collapse which may be exacerbated if there is a trespass on the roof. And in my experience 100 of people who get their roof replaced never even ask themselves if the claim was paid fairly. Therefore the first person you call up after everyone is safe and your property is secured of course should be a roofing company and your insurance agent.

Garden erosion can result in extensive damage which will need expensive treatments to make the soil fertile. Most people have no idea how destructive interior water damage is and many times you cannot see it. But usually you re covered only if the damage or. You can expect a bigger payout if a storm destroys your 5 year old roof than if your roof was already pushing 25 years at the time of the damage.

When filing an insurance claim it is important to have evidence that the damage you are claiming is new. Chronic roof leaks lead to wood deterioration and weakened rotten roof framing causes serious problems that require assistance from a professional contractor. A roof leak is one of those household maintenance issues that you might be tempted to put on the back burner but there is more than one reason to treat it with more urgency. One factor that will come into play is the expected life of your roof.

In this way prolonged water damage can constitute a major risk to your school.