Five Types of Roof Damages that May Be Covered by Insurance

Have you noticed damaged shingles after a severe storm rolled through your area?  Are you concerned that wind has damaged your fascia board?  Our roofs are the number one line of defense against the elements, which puts it at the most risk during times of inclement weather.  The majority of our property claims in Polk County concern roof damage as a result of hail, wind, or rain.   These are a few roof damages that may be covered by your homeowners’ insurance plan.

Damaged Shingles

It is common for homes to lose a few shingles over time without even noticing it.  When you notice lifted or damaged shingles, this is when you need to address the problem.  Extreme weather, like heavy winds and rains, may lift these shingles from your roof, which can cause bare spots.  If there are many bare spots on your roof, it destabilizes the roof and allow room for pests and water issues.

Roof Leaks

Many homeowners do not know about roof leaks until the issue has become worse.  When your roof leaks, you may not see it until the roof leaks into the inside of your home or the attic space.  However, by doing routine inspections with professionals, you may notice these issues sooner, saving you lots of money on repairs and replacements.  

Damaged Flashing

Metal flashing is also important to the function of your roof.  Typically, it is built to withstand extreme weather and stay in great shape over time.  However, you need to be concerned if you notice damaged or worn flashing on your roof.  If the seal is broken on your roof flashing, water can seep into the internal structure of the roof and cause extreme water damage.

Loose or Failing Granules

Shingled roofs have asphalt shingles that repel the sunshine from your roof, which also repels the heat from sinking into your roof.  If you notice that your shingles lose their granules, it may lose these repelling qualities.  This will show as bald patches on your roof, which indicate that you need to contact a professional to have your roof inspected and fixed.

Rotting Fascia Board

The fascia boards hang over the edge of your roof and work to repel any water issues.  When this board is damaged, it will create water issues on your roofline.  It only takes one leak to begin the rotting process on the entire board, and this will cause problems that will persist until the water issue is fixed by a professional.

These are some of the most common roof damages that you will want to address sooner rather than later to prevent further damages.  Because many of these issues may be covered under your insurance policy, you may want to file property claims in Polk County.  Contact our insurance adjusters for help and advocacy through your claims process today.