If your roof is damaged in a storm or slowly wears out over time, you may know that it’s time for a replacement. In a catastrophic event — such as a tropical storm hitting the house and causing massive damage — you may end up filing an insurance claim.
If your insurance company offers to replace the shingles and be done with it, you may feel content at first. They’re paying to fix the obvious damage, which is why you bought coverage. But be wary. Does that really cover all of the damage that your home suffered? If water got in through the damaged roof, it could have led to extensive damage going far beyond your shingles.
Other potential types of damage
Repair experts note that other types of damage you may see include things like:
- The spread of rot, mold and mildew
- Discoloration in ceilings and walls
- Damage in attics and other hidden spaces
- Serious fire hazards
- Compromised structural integrity
For instance, water that leaks through a damaged roof can soak the beams in your walls. As those rot, mold could spread. At the same time, the rotted beams become far weaker than they were when they were installed. If they’re in a load-bearing wall, it may no longer be able to hold up the weight of the ceiling or the upper floors.
Something like this is a serious structural issue that can cost tens of thousands of dollars to repair. If your insurance company is refusing to actually cover the damage to your home, you need to know what options you have to fight back. Speaking with an experienced attorney right away is wise.