Your roof leak might look like a small problem at first: a stain on your ceiling, a lifted or missing shingle, cracked roof tile, or dried-out sealer around roof vents. It might not even seem like something you need to address right away.
When you think “how to seal a roof leak”, a roof leak sealant is probably something that comes into your mind, but depending on the roof type, your insurance policy, and how you attempt to fix the roof yourself, can work against your chances of getting your claim settlement. So it’s wise to consult a public adjuster to check and see if a minor fix will do the trick or if you will have to call in professionals.
The trouble with roof damage is what looks like a tiny issue can actually mask a major repair, thus it is not wise to postpone or procrastinate a roof leak repair.
Sometimes the damage is obvious, too. A tree or large branch fell on your roof creating a big hole. A powerful thunderstorm may have ripped away large sections of shingles, causing a very serious roof leak and flooding in your home. When these situations occur, you may know right away that you need an expert to help with your insurance claim and roof leak repair. Claim your roof leak insurance with us.
Whatever the case, here are five reasons you need a professional to inspect your roof damage today so you start repairs as quickly as possible:
1. The Damage Will Only Get Worse.
The longer you ignore your problem, the worse the roof damage gets. Since the weather forecasters can’t always accurately predict when we’ll have rain, don’t wait to have someone check out the problem. Every time water gets in under your roof, the damage gets worse and the cost to repair increases higher and higher.
2. Your Insurance Won’t Cover Damage Due to Negligence.
Insurance policies cover problems caused by an unexpected event (review your policy for specifics and exclusions). While your insurance company covers some types of roof damage, what they don’t cover is further damage that happened because you were negligent in fixing something.
3. Mold and Mildew Will Make Your Home Their Home.
Know what loves warm, wet, spaces? That’s right, mold. A roof leak creates the perfect environment for mold or mildew to infest your ceiling or attic and cause more problems than high repair bills. Most mold and mildew are toxic for the health of everyone in the home. So not only will you have a roof leak to fix and mold remediation to complete, but you’ll have to live elsewhere until the mold is eradicated.
4. Your Roof Might Age Out of Coverage.
Did you know that roofs over 20 years old are often not covered by insurance companies? Don’t wait to get a roof leak addressed, especially if you know your roof isn’t new. Keep an eye on the calendar when thinking about roof damage and leaks and take extra care with an older roof. That said, though, just because your roof isn’t new doesn’t mean it won’t be covered. Wear and tear of a property does not take away your right to file and get paid fairly on a claim!
5. Ask An Adjuster Can Help You Today.
Out team at Ask An Adjuster helps you evaluate the roof damage and file a claim now, for FREE! All you have to do is call our office or fill out our online form and we’ll send one of our expert public adjusters to your home at a convenient time to thoroughly check any damage and help you decide when it’s right to file an insurance claim for the damage to your roof.
Schedule a free 11-point inspection with Ask An Adjuster today!
Frequently Asked Questions
How much does it cost to repair a leaky roof?
Ans: Around $300 to $1100 is spent by most homeowners in order to repair a leaky roof. The cost depends on the level of the damage.
Is a leaking roof covered by insurance?
Ans: It totally depends on the causes of the leaks. If your roof was hit by any sudden natural disaster, most home insurance providers will cover the cost of the roof leak repair.
Will insurance cover a 20-year-old roof?
Ans: It is possible to get the insurance coverage of a 20-year-old roof but the providers may only cover the actual cash value, not the current replacement cost.