Your roof is designed to protect your home, your household, and everything inside from the elements. However, even the most dependable and durable roofing systems will be vulnerable to roof leaks at some point, particularly after heavy storms.
Although a minor roof leak might just need a small repair, what usually starts off as a stained ceiling or a few drips can quickly escalate into a large roof repair or replacement nightmare if neglected. Whenever you notice a tiny leak, be sure to take action as soon as possible.
Who To Call When Your Roof Leaks
Whenever your roof shows any signs of leaking, the first person to call is your roofing company. This way, a professional roofer can come and assess the situation of your roof and recommend the best course of action.
Your roofer will be able to determine if the damage is significant enough to warrant filing an insurance claim. If the leak is minor and the water damage is minimal, it might not exceed your home insurance deductible. Your policy deductible is the amount you must pay before your insurance begins paying for the damage.
Moreover, your roofing contractor can figure out if the roof leak is a roofing issue or something else. Let your roofer thoroughly assess your roof above and below and into the attic. They should look for anything causing rainwater or ice dams.
Additionally, your roofer will inspect valleys, gutters, and downspouts to ensure they are clear and allowing water to move off the roof. After the inspection, they will provide a detailed estimate of what it takes to fix your roof and advise you on whether or not to file an insurance claim based on the quote and your deductible.
When Your Insurance Can Pay for Roof Repair
If the damage is serious and goes beyond your deductible, it is vital to call your insurance company with your repair estimate and file a claim. However, your homeowner’s insurance will not cover leaks caused by poor maintenance or wear and tear.
Go through your policy’s declaration page to see which perils are covered and which ones are excluded. As a general rule, home insurance policies cover damages resulting from sudden and accidental events, such as hail, lightning, windstorms, and rainstorms, unless the specific cause of the damage is excluded in your homeowner’s insurance policy.
Fix Your Roof with AIC Roofing & Construction
At AIC Roofing & Construction, we understand many roof leaks are an indication of a bigger structural problem which may have been neglected. Whenever you notice a roof leak, contact our experienced roofing consultants in Central Kentucky to help address the issue early before it results in more costly damage.