A large percentage of claims by homeowners involve their home’s roof, and therefore they need to take preventative measures to ensure that there are no existing problems that need their immediate attention. After all, what could be more important than to protect your homes from approaching storms and take any steps that could reduce your chances of having to file an Orlando FL homeowners insurance claim.
Your roof, being the largest single surface on your home, should be the first line of defense in protecting your home. Structural damage is primarily caused by wind or excessive rain. These are the perils that you should be taking notice of during the fall, which is a great time to do an inspection, because it’s the best time to start making any repairs that may be necessary in advance of any changes that may be occurring with the weather.
Tropical storms, heavy rains are year round concerns
While not having to contend with the problems related to ice and snow, Florida will oftentimes have to deal with the issue of getting large amounts of rain due to tropical storms. This can cause some major damage to a lot of roofs in those instances, resulting in an increase of claims.
Things to look for
Do a visual inspection of your roof to look for things like missing or damaged shingles or tiles on sloped roofs. In the case of a flat roof, look for surface bubbles in the membrane material or missing gravel. Also, check the flashing, the areas where it transitions between vertical places and the horizontal roof (for example, around skylights, vents or chimneys), to make sure that it’s in good condition.
Anywhere that you have a change in roof elevation, you’ve got flashing there and that’s a typical source or place for water to penetrate into the roof covering. Make sure to check downspouts and gutters to ensure that the gutters get cleaned out of any leaves that have fallen, as this helps to keep the drainage of the water off the roof and not clogged in the gutters.
These are just a few suggestions on how to keep down the cost of repairs and avoid any unnecessary Orlando FL homeowners insurance claims from having to be filed.