Roof Interior Damage

The condo association is generally responsible for insuring the common elements of the condo.

Roof interior damage.

Visual identification of debris on the roof deck. Homeowners insurance typically covers damage caused to your roof by hail windstorms fire tornados and vandalism. A small amount is normal especially for new shingles. Regardless of your assessment of the board s history of repair on the roof generally speaking their responsibility ends where your unit interior begins.

Interior damage to townhome units. A large pile of granules at the end of your downspout. Unit owners are responsible for insuring unit interiors and contents. Potential signs of debris damage.

It doesn t take much of a leak before water causes walls. You might find holes left over from a satellite dish or antenna mounting brackets or just about anything. And exposed misplaced roofing repair nails should be pulled and the holes patched. It s rarely a good sign when someone from human resources gets involved in your maintenance.

Hail and wind damage claims are the most common types of homeowners claims. Take a look at your insurance policy to see what it covers before contacting your insurance company. 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. 2 slip and falls.

1 ceiling tiles falling and causing damage to inventory.