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My Roof is Leaking. Is it Covered by Insurance?

My Roof is Leaking. Is it Covered by Insurance?

Roofing is a tough business. It’s not like you can just go to the store and pick up a new roof when yours starts leaking.  If you’ve been feeling like your roof is leaking more than it should, don’t worry. You’re not alone in this! There’s a few potential, different causes that could be contributing to your leaking roof, and we’ll take a look at those.

Firstly, if you haven’t experienced any recent changes in your roof, more than likely your roof isn’t actually leaking.  This is good news.  Many times, what you are experiencing is a condensation issue in your attic. That means you have too much moisture in the air and it needs to be removed before mold can form.  Besides mold, the additional moisture can present itself as a leak, usually coming down through different vents in your home.

If you happen to be experiencing a new leak in your kitchen or bathroom vents, more than likely your issue is condensation versus a leaky roof.  There are many different methods to fix this situation.  You’ll want to make sure that the ventilation in your attic is sufficient and that you don’t have any clogged vents.  If you’re comfortable navigating around your attic, take a look and make sure all of your soffit vents and exhaust vents are open and functioning properly.  The soffit vents act as the air intake portion of your ventilation system, and the exhaust vents will be at the top where the air exits your attic.

If all of the vents seem fine, you may want to add some sort of insulation to the vent tube from which you’re seeing the leak.  Depending on the size of the vent tube or piping, you should be able to apply a sleeve which will keep the condensation from forming and leaking into the rooms below.

After trying to rectify the leak, if you are unsuccessful, you’ll want to call a professional to help you out.  There’s a lot of other reasons why you could be experiencing a condensation leak, and a free inspection from a qualified roofing contractor could speed up the process in getting your home back to normal.

Now, if you don’t have a condensation leak and your roof is actually leaking from a defect in the roofing system, then it’s time to call a roofing contractor.  Whether or not it’s covered by insurance is going to depend on a few different factors.  Your homeowners insurance will protect you when you have a storm or event which triggers the leaky roof.  Most roofs will commonly experience a leak after a hail storm.

Hail is very common to Northern Colorado roofers and is a meteorological event that usually happens in the spring, summer, and fall. It’s formed when hailstones accumulate around a thundercloud and then drop from the cloud as it leaves. Hail can be any size from small to large but typically measure 1 inch or less. Hailstones are jagged and because of the velocity at which they make contact with your roof, they have the tendency to cause holes and tremendous damage.

If hail or wind is the cause of your leaky roof, then your homeowners insurance will most likely cover your new roof.  The first thing that you’ll need to do if you believe hail damage has occurred on your property is to call your insurance carrier and open a claim.  There’s no fee to do this and it will not affect your rates.

Once that happens, your insurance carrier will send out an adjuster to assess the damage.  It’s a good practice to make sure your chosen contractor is at this appointment as well as they will be able to show the adjuster all the damage to your property.

From there, the adjuster and your contractor will make sure that your damage is properly compensated for.  In most cases, you’ll need to pay for your deductible, and your insurance policy will pay the rest.  There are unique circumstances that could change this, but for the majority of homeowners insurance claims, this is the norm.

One thing to note is that most insurance policies have a specific term, or period of time in which you need to make your claim, so this isn’t’ something you should wait on.  If you think your leak is caused by hail, and a reputable company has confirmed so, then you should make your claim right away.

Roof Leak Repair Cost

Do you know how much it costs to replace a roof? It’s no small sum, that’s for sure! If there is one thing homeowners don’t want to think about, it’s the cost of their home repairs. Roof replacement can be an expensive proposition and most people have no idea just what they should expect to pay.  When it comes to a roof, you can’t put a price on peace of mind. But when your old roof is in need of replacement or repair, the cost can be difficult to swallow. The average homeowner pays about $15,000 for new asphalt shingles and about $25,000 for slate roofs.

Modern asphalt, tile and metal roofing materials are made to last a really long time.  If you are in need of a new roof because yours is leaking or has been compromised, it’s wise to get an opinion if the cause is due to a storm or other peril.  You pay for your homeowners insurance for a reason, and you shouldn’t be ashamed to use it.

If you end up having to come out of pocket to pay for a new roof, there are plenty of financing options available if you prefer to not pay all at once.  Most roofing companies will have a financing partner with whom you can finance a small loan to take care of the new roofing cost.  In a lot of cases, these companies will also allow you to take additional funds for other home improvements if you are looking to do more than just your roof, so it’s good to explore your options before making a final decision.

Interior Signs of Roof Damage

Many homeowners wonder how they can tell if their roof has been damaged, from the inside of their home.  Sometimes it’s very obvious, like water running down a wall or water dripping from a vent in your home.  However, there are some other, not so obvious things to look out for.

Did you know that leaks from outside and moisture trapped inside your house can cause stains?  Stains along walls are a good indicator that you have an issue.   It’s important to have a professional inspect the foundation, roofing, windows and anywhere else water could be seeping in. Also, If you find any signs of mold or mildew then contact an expert immediately!  Mold can cause many health related issues, and is something that should be dealt with swiftly, by a professional. 

Another unconventional warning sign of a problematic roof is if you notice a drastic change in your utility bills.  This change could signify a ventilation issue around your roof.  The attic in your home needs to breathe and if your vents have become clogged it won’t be able to function correctly.  If you have this issue, you will definitely notice a change in your average utility bills, especially in the summer months. The most important thing to remember is that you deserve peace of mind knowing that your home is safe from leaks and water damage.  Not only can it cause issues with comfortability but if left unattended, these issues can be quite expensive to repair.  Do yourself a favor and if you think you may have a roofing problem, just call a local expert.  More than likely, they will be able to provide you with a free inspection and properly lay out how you can fix any potential problems that you have with your home.