In the current storm, we have lost about 15 shingles from our roof causing at least 2 leaks, is this an insurance issue or a maintenance issue?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 1, 2010

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Insurance Question from Coal Run, PA

Asked on 12/01/2010

In the current storm, we have lost about 15 shingles from our roof causing at least 2 leaks, is this an insurance issue or a maintenance issue? NULL

Answer given on December 03, 2010

If you lost your shingles in the storm, and the loss of those shingles caused the leak, then your insurance would be involved.  Of course, your deductible will apply to both the repair of the roof and any interior damage.

If your roof is old and deteriorating, the insurance company may depreciate the damage to the roof, saying that the age and condition of the roof contributed to the loss.  However, they should accept the damage to the interior of the home, again after your deductible.

I’d suggest you talk to your agent, but you should also seek the advice of a contractor.  They may be able to determine if the roof is in good condition, thus aiding your ability to get reimbursed for the damages.

Some insurance companies increase your premium if you have a loss, so make sure the amount you will receive is worth the loss of your claim free discount.

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