5 Potential Causes for Your Roof Leak

Have you noticed a dark, damp stain forming on your ceiling? Do you have to place a bucket under a steady drip anytime it rains? If so, you have a roof leak on your hands that can quickly turn into a much bigger problem if not rectified. To do so, you first must know what the problem is. There are several reasons why roof leaks occur, so let us look at some of the most common ones.

Damaged or Missing Shingles

Broken or missing shingles are one of the most common causes behind why a roof leaks. It could have happened because of high winds, a possible error in installation, or a particularly heavy rain or snow, causing the roof leak. Whatever the reason, a missing shingle compromises the entire system and will inevitably lead to a leak. Fortunately, even if you are not an expert roofer, spotting a missing shingle is a relatively easy task.

Clogged Gutters

Can a clogged gutter cause a roof leak? Absolutely. No one enjoys cleaning out their gutters but nevertheless, it must be done. When leaves, branches, dirt, and other debris fill up your gutters, it obstructs water flow and causes it to pool. This gives the water more time to soak into your roof and significantly increases the chance of a leak occurring.

Damaged or Slipping Flashing

For those who may not know, shingles are not the only component of your roof preventing leaks. Flashing is thin metal sheets that are strategically placed to redirect water flow away from crucial areas of your roof. When flashing becomes damaged or slips out of place, water can more easily pool in those areas and lead to a troublesome leak. If you are currently wondering why your roof leaks, be sure to check that flashing has not come undone.

Attic Condensation

If you have noticed water dripping from your ceiling, check your attic as soon as you can. Condensation can cause roof leaks just as easily as a hole in the roof itself. If your attic is consistently damp, you may want to consider improving the ventilation or insulation in the area. Left unchecked, this could lead to a serious mold or rot problem.

Holes in the Roof

It has happened to everyone. You go outside after a storm and see a sizable tree limb on your roof. Even after you remove it, everything might look fine to the naked eye, but do not be so sure. The branch could have easily punctured the roof when it fell, leading to serious leak problem. If a large branch or any other debris ever strikes your roof, you should have an inspection done as soon as possible.

Contact RoofClaim.com for Help With Your Roof Leak

Damaged shingles, clogged gutters, and slipping flashing are just a few examples of what causes roof leaks. If rain or snow is causing a roof leak in your home, be sure to contact Roofclaim.com to get started on your inspection. Our experts have helped install over 50,000 roofs and will be with you every step of the way.

Throughout the duration of our transparent inspection process, we will do everything we can to make your roof replacement as easy and hassle-free as possible. There is no need to worry about meeting with any sales reps, our convenient AI solutions will match you with the right contractor in your area for your job.

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How Does Homeowners Insurance Handle a Leaking Roof?

After a storm, it is common for you to contact your insurance to understand your coverage. Depending on the homeowner insurance you bought, there may be a few variations of what is and is not covered. No matter what, if your roof is leaking, your first step should be to determine where the leak is and to read over your homeowners insurance documentation so you know before you call whether or not your damage is covered.

Does Homeowners Insurance Cover Roof Leaks?

When it comes to homeowners insurance for a roof leak, how the roof incurred damage is usually what insurance adjusters are looking at. If the roof is coming to the end of its lifespan and the shingles are starting to dissipate, curl, or break off due to natural wear and tear, that is a situation where your homeowners’ insurance most likely will not cover the leak. However, if the leak originated due to a natural disaster, such as rain or a tree branch knocked onto the roof by strong wind, then insurance is more apt to consider covering the repair costs.

When you conduct regular roof inspections on your home, it is easier to spot some of the unresolved maintenance issues that could eventually lead to a leak down the line. That way if you experience a leak after a severe storm, you can feel confident knowing that it wasn’t the result of an aging roof, but because of a natural disaster, and it will be up to your homeowners’ insurance to pay for the repair.

What Kind of Roof Damage Does Homeowners Insurance Cover?

Homeowners’ insurance policies typically exist to help protect the overall structure of your home from certain environmental perils that can cause damage to the structure of your home. Your homeowner’s insurance will cover damage brought on by strong winds, heavy rain, fire, and hail. For example, if after a severe storm, your roof is damaged due to a tree falling on it and piercing the shingles, or strong winds knocked your shingles out of place, you can file a roof leak insurance claim to get the damaged fixed.

It is important to keep in mind that even with homeowner’s insurance, you will still need to pay a deductible and there is usually a limit to the amount of coverage you receive. If the damage goes above what your roof leak insurance will cover, it is possible that you will have to pay for the rest of your roof repair of pocket, even if overall, the damage is from something covered by your insurance.

RoofClaim.com Can Help

If you have questions about whether your homeowners’ insurance will cover roof leaks, you can always get in touch with the team of experts at RoofClaim.com. We have worked with owners of residential and commercial property for years and can help walk you through any confusion and help communicate with your homeowners insurance.  If you have questions or would like to request more information, contact us via email or convenient online chat.  If you are ready to get started, you can schedule a free inspection to determine the source of  the leak.

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