Why the Urgency? The «Old Damages» Clause
Many homeowner’s insurance policies include a clause that allows them to deny claims for damages considered old or pre-existing. This means if your roof already had minor damage – like general wear and tear, cracked shingles, or structural issues that weren’t repaired in a timely manner – and then suffers major damage due to a storm or accident, the insurer could argue that the original problem wasn’t caused by the recent event and, therefore, isn’t covered.
Insurance companies in Georgia, like elsewhere, expect homeowners to maintain their homes in good condition. If you haven’t performed adequate roof maintenance and allowed minor damages to accumulate over time, you’re opening the door to a potential denial of your claim.
Warning Signs: When to Inspect Your Roof
Don’t wait until it’s too late. Here are some common signs that your roof might need attention or a professional inspection:
- Missing, cracked, or curling shingles: These are clear indicators that your roof is aging and losing its integrity.
- Granules from shingles in your gutters: This suggests that the shingles are deteriorating and losing their protective layer.
- Water stains on your interior ceiling or walls: This is an unmistakable sign of an active leak.
- Moss or algae: While not always indicative of severe structural damage, they can retain moisture and accelerate shingle deterioration.
- Sagging or drooping spots: This could indicate more serious structural damage to the roof’s framework.
- Higher-than-normal energy bills: A damaged roof can affect your home’s insulation.
What Can You Do Now?
- Inspect your roof regularly: Even if you’re not an expert, a visual inspection from the ground can help you spot obvious problems. Consider hiring a professional for a more thorough inspection.
- Document your roof’s condition: Take photos or videos of your roof in good condition and of any damage you find. This documentation can be invaluable if you need to file a claim in the future.
- Perform minor repairs immediately: Don’t put off small repairs. Addressing issues promptly can prevent them from becoming larger, costly damages.
- Consider a professional inspection: A licensed Georgia roofing contractor can identify problems you might not see and provide a detailed report on your roof’s condition. This can be helpful in determining whether you need a full replacement or just repairs.
- Review your insurance policy: Familiarize yourself with the terms and conditions of your homeowner’s insurance policy. Understand what’s covered and what’s not, paying close attention to clauses related to maintenance and pre-existing damages.
The Investment Is Worth It
Replacing or repairing a roof is a significant investment, but it’s an investment that protects your biggest asset: your home. Ignoring your roof’s condition can lead to more extensive structural damage, mold and moisture problems, and, worst of all, the denial of your insurance claim when you need it most.
Don’t wait for a devastating storm or a major leak to force you to act. Take the initiative now and assess the condition of your roof in Georgia. Protecting your investment today will save you headaches and significant expenses in the future.
