Roof Interior Damage

Visual identification of debris on the roof deck.

Roof interior damage.

Homeowners insurance typically covers damage caused to your roof by hail windstorms fire tornados and vandalism. Regardless of your assessment of the board s history of repair on the roof generally speaking their responsibility ends where your unit interior begins. 2 slip and falls. Unit owners are responsible for insuring unit interiors and contents.

The condo association is generally responsible for insuring the common elements of the condo. The owner of the unit then seeks reimbursement from the townhome association for the costs of repairing the carpeting flooring furniture etc. Tiny holes in shingles are sneaky because they can cause rot a leaky roof and other damage for years before you notice the obvious signs of a leak. You might find holes left over from a satellite dish or antenna mounting brackets or just about anything.

One of the common questions we receive from townhome associations is regarding damage to the interior of a townhome unit resulting from a roof leak or ice damming that causes water to infiltrate into a unit and damages carpeting flooring furniture etc. A small amount is normal especially for new shingles. And exposed misplaced roofing repair nails should be pulled and the holes patched. A large pile of granules at the end of your downspout.

Hail and wind damage claims are the most common types of homeowners claims. Interior damage to townhome units. It doesn t take much of a leak before water causes walls. Take a look at your insurance policy to see what it covers before contacting your insurance company.

It s rarely a good sign when someone from human resources gets involved in your maintenance.