Is a Leaking Roof Covered By Insurance?

A Roofer Repairs a Roof.

Is a leaking roof covered by insurance?

If you’ve discovered a roof leak, you want to get it repaired as quickly as possible. Leaving a leak alone for too long can lead to serious problems ranging from mold growth to rotting and structural damage. How are you going to pay for a roof leak repair? If you have homeowner’s insurance, you probably want to file a claim, but before you do, you want to make sure your policy covers the leak.

The first thing you want to do is to have a reputable roofing contractor inspect your roof and provide you with an estimate on the damages. This will give you an idea of how much it’s going to cost repair the leak and what caused it. If this amount doesn’t exceed your deductible, you shouldn’t file a claim because the repair is unlikely to be covered.

Next, if the repair costs exceed the deductible, you want to make sure your policy covers the damages. Typically, if the leak was caused by a covered peril—an event like a storm or hail or fire—the insurance covers the cost of repairs. However, some exceptions might be made. For instance, if you live in area that experiences hail frequently, hail damage might be excluded from the list of covered perils or coverage might be limited to certain types of damage. Moreover, if the leak has developed because of lack of maintenance or general wear and tear and aging, the damage won’t be covered. No matter what caused your roof to leak, however, when you need expert Roof leak repair in Olathe, KS, you need to search no further than VISION CONSTRUCTION. Reach out to us today by calling 888-360-8474.

What to do if your roof is leaking?

Roof leaks require attention as soon as possible, so you need to take action quickly when you discover one. While you want to call in a professional for the actual roof leak repair, when you have an emergency situation in which a leak has suddenly sprung you’ll want to reduce water damage by following these steps:

  1. If the water has broken through the ceiling or might do so, you want to move what furniture and other property you can away from the leak. Anything you can’t move, try to cover with a tarp or drop cloth.
  2. Get the water contained as much as possible using buckets, trash cans, and towels. A rolling trash can is handy in this situation because it will be easier to move when it fills.
  3. If your ceiling is bulging, it’s probably close to bursting. You can relieve the pressure and avoid a serious mess by puncturing the bulge with a screwdriver at the bulge’s lowest point to drain the water. Place a bucket under the water.
  4. As soon as it’s safe to get on your roof, place a tarp over the location of the leak to prevent further damage. If you are unable to get on your roof or don’t have a tarp large enough to cover the exposed area, you can rely on the professionals at VISION CONSTRUCTION to install a tarp for you.
  5. When it’s safe to do so, you want to document the damage by taking as many photos as you can so you can submit them with your insurance claim.

Can you repair a roof leak from inside?

Usually, people discover roof leaks when they begin to damage the inside of their home, usually dripping from the ceiling or discoloring or staining it. A careful check of the attic will almost certainly disclose the source of the leak, and once it’s found, a roof leak repair is in order. It might make sense to try to repair the leak from the inside, but putting a patch over the hole from the inside results only in a temporary fix. A patch might stifle the leak long enough to prevent further water damage inside the home, but the real damage is normally outside on the roof. If a piece of flashing has come loose—loose or rusted flashing is frequently how water gets under the roof in the first place—you’re going to need to repair or replace the flashing to prevent new leaks from occurring. The same goes for broken or missing shingles. They have to be repaired or replaced to ensure the leak is stopped.

Can a leaking roof collapse?

As water from a roof leak pools between the roof and the ceiling, the added weight creates stress on support beams as well as insulation and drywall. The increased stress can cause the roof or ceiling to sag and eventually it will collapse. Preventing such serious damage to your home is why it’s imperative you get a roof leak repair as soon as possible after a leak is discovered.

Roof leak repair in rain

Fairly frequently, roof leaks develop or are first discovered during heavy rainfall. When this happens homeowners are tasked with the job of minimizing the water damage as much as possible. Most people usually notice the leak in the later stages when it’s made its way from the roof and has begun to saturate the ceiling. Along with getting furniture and other items out of the way and preparing buckets and trash cans to catch water, one of the best measures to take to prevent further damage to your roof is placing a tarp on it. Tarping the roof will keep the damaged portion from further damage until it’s safe to repair the roof. While professionals like those at VISION CONSTRUCTION can work in the rain to make repairs, it’s generally safer and more effective to make the repairs after the rain has subsided.

Roof leak repair around chimney

One of the most common ways for water to get under your roof is through loose or damaged flashing, especially around your chimney. In some cases the flashing will have to be replaced, especially if it’s rusted or otherwise damaged. But, you can also follow these steps to reattach flashing:

  • Clear debris between the chimney and flashing and chisel away any roofing cement that’s hardened.
  • Apply fresh cement behind flashing and reattach the flashing tightly to the chimney with screws or masonry nails.
  • Cover nail or screw head with cement and apply additional cement at the joint between the brick and flashing.
  • Use a paint stirrer or putty knife to smooth the cement.

Roof leak repair flat roof

Flat roofs often have drainage problems that lead to ponding and leaks. How you repair flat roofs will depend on the roofing material used. There’s no one-stop-solution for flat roof leak repair. That said, most flat roofs will benefit from a silicone or acrylic roof coating application that will seal up pinhole leaks that are present and prevent new leaks from occurring.

Roof leak repair or replace

When you have roof leaks, you may have to decide between repairing or replacing your roof. In many cases, you’ll just need to make repairs. Your roof’s age will be the primary determining factor between repair or replacement. Most asphalt shingle roofs will last about 25 years. After 10 to 15 years they’ll probably begin to show signs of wear and tear. If your roof has a lot of missing or broken shingles or problems like moss growth—which can cause leaks—replacing your aging roof is probably the best option if you’ve developed leaks. Have a professional inspect your roof and discuss your options.

A Ceiling Damaged by Roof Leak

Who do you call to fix a leaky roof?

If you are looking for fast, effective roof leak repair in Olathe, KS, you need to look no further than VISION CONSTRUCTION. We are experts at roof repair, in particular in emergency situations. Help with your roof leaks is just a phone call away at 888-360-8474.