Florida homeowners need to watch for roof damage

Roof damage can be a source of potential complications for the roof itself, the structure below it and, ultimately, the homeowner. Thus, the identification of the problem and why it occurred can play an instrumental role in its repair and any insurance claims that need to be filed.

Severe weather, such as hail, strong winds and freezing temperatures, can impact the condition of a roof. The type of roof damage that occurred will dictate the kind of damages that will be seen. For example, wind damage may result in sections of shingles being blown off the roof completely. Leaks, on the other hand, will most likely cause moisture spots, dampness, wet insulation or cracked paint. Some damage may require inspection at the roof level, which could pose risks, particularly on windy or rainy days, especially when using a ladder or trying to maintain purchase on a wet roof. Generally, however, if physical signs of water damage have appeared on or within the home’s structure, the leak may have already caused extensive damage and professional intervention may be necessary. In some cases, the damage may be due to inadequate or insufficient repairs and could require additional attention to remedy the situation.

Some roofs are more vulnerable to damage than others, says one source. Depending on the geographic location of the home, a tile roof may ultimately be more risk for a home than a benefit. Tile tends to break when it comes in contact with flying debris, falling tree branches or even hail. Thus, roof maintenance and upkeep is essential for a roof’s longevity.

If a home’s roof has been damaged, the homeowner may need to submit a claim to the insurance company. An attorney might be able to assist the homeowner in negotiating an adequate settlement according to the policy terms.