My Roof Is Hit By A Big Branch

Whether your homeowners insurance policy includes coverage for fallen trees typically depends.

My roof is hit by a big branch.

Their leaves fall directly onto your roof or into the gutter which can lead to mold deterioration or leaks. Part of the problem is making the repair match. Limbs hanging over a home are a threat to the rooftop and the entire property. 2 climb onto the roof and walk towards the branch.

I think that was unusual i can t imagine a claims adjuster doing that normally. Gravity is the law that never changes. The roof was nearly 18 years old anyway and needed to be replaced. If there s a branch hanging above your roof it s going to fall one day.

And once the storm passes you may be wondering whether your homeowners insurance will help pay for the cost of removing the branches or repairing damage if the tree fell on your home. Branches can be putting your home in danger for more than one reason when they grow too close to your roof. You have to replace a few shingles. A large branch from the fir tree out back has snapped off and crashed through your roof taking out a window in the process.

Mine paid for reroofing the whole side of my roof due to similar damage. Oh and my husband went up on the roof with the claims adjuster and the 2 of them took the branch off the roof. First check your homeowner s insurance. Because the roof is sloped make sure you layer the shingles from bottom to top overlapping the top set with the bottom.

As branches scrape against roof shingles on windy days they can strip off layers of asphalt. Second i had a choice of a guy who would do a repair of just the holes for 500 or the big repair as above for 3000. As the rain pours in take a deep breath. Read your policy carefully then check with your agent.

Also if you want to avoid likely increases in your homeowners insurance policy premiums consider simply bearing the cost or a part of it if the damage is minimal. It wasn t a very tall pitched roof so it was easy to get on and off. Lean your ladder against the building at a 75 degree angle to the roof allowing at least 3 feet of ladder to be above the roof. Sometimes it takes just one good storm to topple what was once a sturdy tree in your yard.

Learn who is responsible for fallen trees and property damage. Should tree branches hang over your roof. For example to a small section of a plastic fence easily repaired with replacement parts from a big box store. Most state laws allow you to cut tree branches that are hanging over your property.

If you have homeowner s.