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I bought this house last year May(2006). Last hurricane season passed without any problems. But this season I have a lot sof leak spots all around the house. The leaks started during the windy rains about 2 months back but I didnt really care a lot hoping I will get it fixed soon. But the last 3 days continues rain has created a huge mess and one of the room had the sheet rock falli down. I cut and removed most of wet sheetrock in the room and there is a hole of about 3′-1′ x 5′-6′ in the room.

I have uploaded some of the pictures here: http://www.fiu.edu/~atmakurk/roof/roof.htm

I have called couple of local roofing people (from Craigslist) and they are scheduled for tomorrow. I am a newbe for all this house maintanence and repairs.

I would like to know whats the best solution at this point. Just repair the leaks ? or the whole roof needs to be replaced ? Will Insurance cover anything if I have to replace whole roof ? I have insurance from Citizens. The house is built in 1977
The roof is a tile. I have posted couple of pictures on this page. They are the end.
http://www.fiu.edu/~atmakurk/roof/roof.htm
(can’t find the high resolution pictures)
I did not get any home warranty. I never knew there was something of this type warranty. I will give a call to Insurance Agent and see what he says. I have couple of local Roof repair persons coming tomorrow to take a look at and give me an estimate.

7 Thoughts on Lots of leaks in Roof (Will Insurance cover any part of repairs ?)?
  1. Reply
    dragonfire
    August 19, 2011 at 11:35 pm

    what type of roof, shake, shingle, composition, tar and gravel
    what type of roof, pitched, flat, sloped

  2. Reply
    bawlbrkr
    August 20, 2011 at 12:24 am

    Unless there was some catastrophic damage to your roof from say a falling tree, etc. your insurance company will probably not be sending you any money to make any roofing or general maintainance repairs. Policies and their coverages can vary quite a bit, the best way to find out for sure is to call your insurance agent.

  3. Reply
    jansey
    August 20, 2011 at 12:57 am

    Did you get a home warranty that covered the roof? If so, did you renew it when the year was up? If so, that might cover it. It’s worth a try to call your insurance company, but the problem with that is that if you file a claim, your rates go up, so unless it is something really worth it, I would not file a claim with your homeowners insurance.

    Good luck! If it were me, I’d probably see what the estimates come in at before doing the entire roof.

    Welcome to homeownership!

  4. Reply
    Carole Q
    August 20, 2011 at 1:37 am

    Tiles give problems due age = nope.
    Wind damage = possibly – – check insurance regarding wind (followed by rain) damage to roof and what your deductible would be. If you appear to have favorable response regarding wind damage, check your insurance about internal damage from roof leaks.

  5. Reply
    zdog088
    August 20, 2011 at 1:56 am

    If the wind was strong enough it could have loosened the tiles and moved the nails around that go through the tar paper. You might have to get a report from your local airport on the wind speeds and give it to your insurance guy. But yes it should be covered unless they are all cracked from age.

  6. Reply
    xenon
    August 20, 2011 at 2:27 am

    Insurance companies are not there to make you a better home than a month before. If something damaged your roof, tree, high wind etc then they will put it right.

  7. Reply
    Uncle Bob
    August 20, 2011 at 2:59 am

    You may or may not be covered depending on your policy. Be sure to contact them BEFORE you have any work done. It is impossible to prove the cause of a leak if you have a nice new roof when the adjuster arrives. I had part of my roof ripped off in a storm resulting in major water damage. I had the roof replaced the next day and then filed a claim. The adjuster took one look at my new roof, told me to have a nice day and left without even discussing a settlement.

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