One of the most common claims for homeowners’ insurance in Salt Lake City and elsewhere in Utah or even around the country is for roof damage. Depending on where you live, damage to your roof can happen from hail, wind, or snow. As a roof gets older, it is more likely to sustain damage, which could lead to other structural damage. Here are some tips to help you check for damage to your roof.
While it’s a good idea to have a professional inspect your roof, you can do an initial inspection on your own if you feel comfortable getting on a ladder and onto your roof. Make sure you plan enough time to look over the entire roof.
What to Look For
The first thing you should notice is the actual roof itself. Look at the shingles to see if any are broken or missing. Look for those that are curling, buckled or don’t seem to be secure. Notice the gutters to see if any pieces of shingle have slid off into them. You’ll also want to look around vents and flashing for cracks or rusted areas. Pay attention to how secure the vents are. If they move, it’s a sign they may have
missing screws and are allowing in water to the attic.
If you see moss on your roof, it’s a sign that the roof is decaying. Rust and worn shingles are two other signs to look for, which indicate an aging roof. While age isn’t a covered issue for most roof claims, it does warn you of the need for replacement before further damage occurs.
Look Inside Your House
You also want to check for roof leaks from inside your home. Notice water stains on the ceiling or wet or moldy insulation in the attic. If the paint is cracked or bubbly or wall paper peels, it’s a sign of moisture getting in from the roof.
Mold is often a serious indicator of older damage. It needs to be dealt with right away, and it may require a professional for removal.
The Cost of Repairs
Minor damage to a roof is often inexpensive. Replacing a few missing shingles can be less than $200. Replacing flashing on the roof can be less than $500. Ignoring the damage will ensure that it costs more
If your roof is still under warranty, you won’t be able to make the repairs yourself or you’ll void the warranty. Most insurance companies won’t cover DIY repairs either. If you must file a claim, you will only be responsible for the deductible and the insurance will pay for the rest of the expense.
The best time to check for damage is after a storm. You don’t want to wait too long or you risk further damage to your home. It only takes a few minutes for an inspection, or you can hire a professional. Getting your roof repaired after being damaged is critical to preventing further issues. In addition, it’s a good idea to inspect your roof every spring and fall to ensure it doesn’t need replacement or repairs.
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