IS ROOF LEAK DAMAGE COVERED BY INSURANCE

1. Identifying a roof leak is a stress in itself, but now you have to deal with your insurance company…we know how that normally goes. Let’s look at some early signs to look for as roof leaks can become expensive – fast, so what is covered by insurance and what isn’t? 2 FOR SURE SIGNS OF ROOF LEAK DAMAGE Damaged shingles could result in a potential roof leak that can be noticed on the outside of your home. Shingles are meant to protect the rest of the roof from the elements. When these begin to break, the roof becomes exposed to these, which can lead to another host of issues One of the most noticeable aspects of a leaky roof is ceiling stains. These types of stains can span across the ceiling or run-down walls in some cases. Either way, it’s a sure sign of a roof in need of repair, as if this is left unchecked it could potentially lead to the entire ceiling needing to be fixed as well. NOW THAT YOU KNOW THE SIGNS, WHAT'S COVERED BY INSURANCE AND WHAT ISN'T Generally speaking, your insurance policy is the best place to check exactly what your insurance company will cover when it comes to leaky roofs. It is important to point out however that some insurance policies will not cover leaks that are caused by poor upkeep by the homeowner. Typically, with a leaky roof, mold and fungus are a direct result of the issue. Unless stated otherwise, your insurance company will tend to cover properly disposing of any mold growth. However, if the leak was not claimed in a timely manner, then you are likely to experience some trouble from your insurance company not willing to pay for the repair. WHERE A PUBLIC ADJUSTER COMES IN We know that the cost of repair for a leaky roof can become expensive and stressful quickly. A public adjuster will negotiate with your insurance company for you, to make sure you are getting the money you deserve to repair your home or business back to normal. Instead of paying thousands of dollars out of pocket, wouldn’t you rather have your insurance company pay for it? We can help! WHAT HAPPENS IF I ALREADY FILED AN INSURANCE CLAIM? That is completely fine! In fact, most of the inquires we receive are from those that have already talked with their insurance company and were not happy with the money they were to be receiving for the cost of repairs. We will step in for you, taking the stress away from a difficult situation. Performance Adjusting, Public Insurance Adjusters Licensed in Rhode Island, Massachusetts, Connecticut, Pennsylvania, North Carolina, South Carolina, Florida 401-724-9111 • performanceadjusting.com • info@performanceadjusting.com