Roof Interior Damage

The owner of the unit then seeks reimbursement from the townhome association for the costs of repairing the carpeting flooring furniture etc.

Roof interior damage.

Homeowners insurance typically covers damage caused to your roof by hail windstorms fire tornados and vandalism. 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. Interior damage to townhome units. Here are five common forms of consequential damage from roof leaks.

You might find holes left over from a satellite dish or antenna mounting brackets or just about anything. Visual identification of debris on the roof deck. The condo association is generally responsible for insuring the common elements of the condo. It doesn t take much of a leak before water causes walls.

A large pile of granules at the end of your downspout. 2 slip and falls. 1 ceiling tiles falling and causing damage to inventory. Regardless of your assessment of the board s history of repair on the roof generally speaking their responsibility ends where your unit interior begins.

And exposed misplaced roofing repair nails should be pulled and the holes patched. Unit owners are responsible for insuring unit interiors and contents. Potential signs of debris damage. 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.