Common Roof Damage Scenarios

Roofs can sustain damage from a wide range of sources, both sudden and gradual. Some of the most common causes of roof damage include:

– Storm damage: High winds, heavy rain, and hail can wreak havoc on roofs, causing shingles to tear, crack, or blow off entirely.
– Falling debris: Tree branches or other debris that fall onto your roof during storms can cause significant damage.
– Ice dams: In colder climates, ice dams can form along roof edges, causing water to back up under shingles and leak into your home.
– Fire damage: While less common, fire can cause extensive damage to roofing materials.
– Animal damage: Pests like squirrels or birds can sometimes cause damage while searching for shelter.

What is Covered by Home Insurance?

In most cases, home insurance policies cover sudden and accidental roof damage. If a tree falls on your roof during a windstorm or hail punches holes in your shingles, your policy will likely cover the necessary repairs. This coverage usually extends to any resulting damage to your home’s interior, such as water stains on ceilings or walls.

However, it’s important to note that coverage may depend on the age and condition of your roof. Some policies may limit coverage for older roofs or those with pre-existing damage. Additionally, if your roof was poorly maintained or had existing issues that contributed to the damage, your claim may be denied.

Exclusions in Home Insurance Policies

While home insurance provides valuable protection, there are some common exclusions to be aware of when it comes to roof repairs. Most policies will not cover damage resulting from:

– Normal wear and tear: As roofs age, they naturally deteriorate. Insurers generally do not cover repairs needed due to normal aging.
– Lack of maintenance: Failing to properly maintain your roof can lead to denial of claims. This includes issues like clogged gutters or unrepaired minor damage.
– Pests or animals: Damage caused by insects, rodents, or other animals is often excluded from coverage.
– Floods: This would typically require separate, specialised insurance policies.
– Intentional damage: Damage caused deliberately by the homeowner is not covered.

How to File a Roof Repair Claim

If your roof has been damaged and you need to file an insurance claim, follow these steps to ensure a smooth process:

1. Document the damage: Take detailed photos or videos of your roof and any interior damage. This will serve as valuable evidence for your claim.
2. Contact your insurance company: Reach out to your insurer as soon as possible to report the damage and initiate the claims process.
3. Obtain repair estimates: Get detailed estimates from licensed, reputable roofing contractors. Many insurers require estimates before approving a claim.
4. Meet with the insurance adjuster: Your insurer will likely send an adjuster to assess the damage in person. Be present for this inspection to point out all areas of concern.
5. Choose a contractor and schedule repairs: Once your claim is approved, select a trusted roofing contractor and schedule the necessary repairs.

City Building and Roofing is a full service company capable of handling any roof-related issues you are experiencing. Our core services include:

Roof Repointing
Broken, cracked or otherwise damaged mortar is a common entry point for moisture into buildings. Repointing is the process of removing and replacing any damaged cement mortar in your roof tiles. Our tradesmen are particularly skilled at this aspect of roof repair.

Roof Leaks
If you have a leaky roof, it is crucial to repair it as soon as possible, because of the significant damage that water ingress can cause to the interior of your property. Our skilled tradesmen specialise in identifying and patching leaks quickly. They will find your leak in no time at all and make a permanent repair that protects your property from water damage.

Roof Lead Work Repairs
Lead is a wonderful material for sealing roofs as it has a long lifespan and is extremely malleable. Our tradesmen enjoy working with lead and have the skills necessary to repair complex lead work safely and correctly.

Chimneys Repairs
Your chimney is an important part of your roof structure. Unfortunately, extreme weather conditions can gradually cause deterioration in the materials that it is constructed from, affecting its structural integrity and appearance. Our tradesmen will ensure that your chimney remains stable, safe, and in good working order.