Roof leaks can end up causing severe water damage in your home. Finding them early is important in order to prevent serious damage, but should you make repairs on your own? While repairs for roof leaks might be costly, you should make sure a roofing contractor fixes your roof as soon as possible. Knowing how to find leaks and whether or not your home insurance covers these repairs can help you prepare for this potential roofing emergency.
Does Homeowners Insurance Cover Roof Leaks?
Homeowners insurance might cover a roof leak depending on what caused it to occur. Your policy should include covered perils, such as fires or wind storms. If a roof leak occurs due to one of these covered perils, your homeowners insurance might cover the cost to repair it. Since home insurance coverage can differ, you should check your policy to see what is included and what is excluded.
Roof leaks might not be covered if they occur due to a lack of maintenance or wear and tear over the years. In this case, homeowners typically have to pay for the entire roof cost.
In general, homeowners insurance usually covers roof leaks that happen suddenly through no fault of the owner, such as a house fire or hail storm. This is why regular roof maintenance and inspections each year are an important part of preventing leaks from occurring.
How to Find a Roof Leak
Roof leaks are sometimes simple to spot, such as when you see water dripping or pouring in your attic or upper floor. However, you could have a leak occurring that’s much harder to notice. Being familiar with the signs of roof leaks can help ensure that you find them as early as possible. After finding a leak, you can then hire a roof contractor to make repairs before additional damage occurs.
What’s That Brown Spot on Your Ceiling?
One of the most visible ways to tell you have a roof leak is seeing brown spots or stains on your ceiling. These spots show up as water seeps into your ceiling from a roof leak. When you notice any brownish spots or stains on your ceiling, you should have a professional roofer check your roof for leaks.
Other signs that you might have roof leaks include damaged or warped shingles, as well as shingles that are missing. Leaks can cause water damage to shingles, causing them to become misshapen or fall off your roof. Having mold growing on your roof or inside your attic can also indicate a roof leak.
Average Cost of Fixing a Roof Leak
How much can you expect to pay for a roof leak? The amount you’ll pay out of pocket depends on a few factors, such as whether or not your homeowners insurance covers it and how much your deductible is. A roof cost for repairs also depends on the kind of damage you have and how severe it is. A small leak with minor damage might cost a few hundred dollars to fix, while a bigger leak with more extensive damage can cost a few thousand dollars or more to repair. Simple fixes might involve replacing a missing shingle or replacing damaged flashing, but major repairs might require replacing rotted wood on a large section of your roof or siding.
Who to Call for a Roof Leak in NH or MA? Call Conde Roofing!
If you have a roof leak, please contact Conde Roofing for a free roof estimate. Our roofing company can provide you with prompt and reliable roof services at an affordable price. You can also contact us to schedule maintenance in order to ensure roof longevity over the years.