Roof Leak Damage

Roof Leak Claims: Your Property Adjuster

Roof leaks can occur for many reasons, with damaging winds, heavy rain, and storms being the most common—especially during the extended hurricane season in many parts of the United States.

Roof repairs and replacements are costly projects that most homeowners, businesses, and condo owners cannot afford out of pocket. As leaks worsen, they can gradually compromise the structural integrity of your property and damage your interiors.

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What Are the Most Common Causes of Roof Leaks?

Roof damage is often covered by homeowners’ or business owners’ insurance policies when it’s caused by specific perils. Commonly covered causes of roof leaks include:

Chimney damage
Fire
Hail damage
Heavy or sustained rainfall
High winds
Hurricane damage
Lightning strikes
Damage from animals like raccoons
Falling trees, limbs, or debris
Vandalism or malicious mischief

In some cases, roofs on unattached structures—like detached garages, sheds, or other buildings—may also be covered by your policy if the damage is caused by a covered peril.

However, most insurance policies do not cover damage caused by lack of maintenance or normal wear and tear. Insurers may cite these reasons to deny your claim.

Our experienced roof leak insurance adjusters focus on assessing all damages and determining the full impact on your property if repairs are delayed. We work to put the necessary pressure on your insurance company to resolve your claim swiftly.

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What Should I Do After Discovering a Roof Leak at My Home or Business?

A roof leak can quickly lead to further damage, so it’s important to act fast. Here are the steps you should take:
1. 1)Cover the leak as soon as possible, or contact a professional for a temporary solution.
2. 2)Move valuables out of the affected area.
3. 3)Mop up water or use a wet vac to minimize damage.
4. 4)Place a bucket or waterproof container to catch any dripping water.
5. 5)Use fans to help dry out the area and prevent mold growth.
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Unresolved Roof Leak Insurance Claims Can Lead to Significant Losses

Roof leaks left unrepaired will only worsen over time, causing more extensive damage with each passing day.

If your insurance company is delaying its response, the situation will likely deteriorate as they continue to avoid contact, undervalue your claim, or stall the approval process.