Category: Home Maintenance

Ice dams can cause major headaches during winter, leading to roof damage, water leaks, and even mould growth. The good news? You can prevent them with simple steps like improving attic insulation, clearing gutters, and removing snow from your roof. If ice dams do form, tools like heat cables or professional steam removal can help. Here’s a quick breakdown:

• Prevention Tips: Add insulation, ensure proper ventilation, and keep gutters clean.
• Snow Removal: Use a roof rake to clear snow near roof edges.
• Fixing Ice Dams: Try calcium chloride or hire professionals for steam removal.

Key Takeaway: Prevention is cheaper and easier than fixing the damage. A well-maintained roof saves money and stress in the long run.

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Hearing that unmistakable drip can be unsettling. Roof leaks are alarming because their cause isn’t always obvious, and they can lead to serious issues like mildew, mold, and moisture damage. However, what you think is a roof leak might not be one at all.

Attic condensation can often mimic the signs of a roof leak, making it tricky to identify the real problem. For those without professional expertise, distinguishing between a roof leak and attic condensation can be challenging.

In this article, we’ll break down everything you need to know about attic condensation.

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It’s wintertime, and the temperatures are dropping rapidly.

In addition to drafty rooms, slick driveways and bursting pipes, you also have another issue to contend with: a wet roof.

You want to think that your shingles will hold up against ice, sleet, and snow. However, the reality is that even the most well-built roofs can fall victim to the damage that extreme winter weather can hurl at our properties.

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Last winter, John Martinez of Oakville thought his leaking eavestrough was “just one of those things.” By spring, that small leak had rotted his fascia, damaged his foundation, and flooded his basement. Total cost? $42,000.

“I wish I’d known sooner,” John told us. “You don’t think about eavestroughs until they’re a problem. And by then, it’s usually too late.”

Eavestrough leaks are a common issue that can lead to significant damage if not addressed promptly.

Here in Southern Ontario, where freeze-thaw cycles can be brutal and summer storms can dump a month’s worth of rain in a day, your eavestroughs aren’t just home accessories – they’re your first line of defence against catastrophic water damage.

At T. Simpson Roofing, we’ve seen it all: ice dams that tear gutters clean off houses, basement floods that could have been prevented with proper drainage, and mould problems that started with one tiny eavestrough leak. But we’ve also seen how the right eavestrough system, properly installed and maintained, can protect a home for decades.

In this guide, we’ll share what 30 years of Southern Ontario eavestrough experience has taught us about:

• The warning signs that your eavestroughs are failing (and the one most homeowners miss)
• Why the “cheap fix” often costs more in the long run
• The truth about DIY installation (and when it’s actually a good idea)
• How to choose the right material for our climate

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Here’s what most Ontario homeowners get wrong about fall roof maintenance: They think it’s just about cleaning leaves from gutters. But after 25+ years of inspecting roofs across the GTA, I can tell you that our unique climate creates specific challenges that many homeowners never see coming.

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Your roof is one of the most vulnerable parts of your home, and understanding what your insurance covers can save you from unexpected repair costs. Here’s a quick summary of the five most common roof insurance claims and what’s typically included:

1. Storm Damage: Covers wind, hail, and falling trees – but not neglect or aging roofs.
2. Fallen Debris: Includes repairs and debris removal from sudden impacts.
3. Fire Damage: Covers fire, smoke, and water damage from firefighting efforts.
4. Leaks from Covered Events: Includes storm-related leaks, but excludes wear and tear.
5. Ice, Snow, or Sleet Damage: Covers sudden structural issues, but not gradual buildup.

Quick Overview of Coverage

Type of Damage	Covered?	What’s Not Covered
Storm Damage	Yes	Aging, neglect, or poor maintenance
Fallen Debris	Yes	Pre-existing issues, lack of upkeep
Fire Damage	Yes	Arson, neglect, or code violations
Leaks from Events	Yes	Gradual wear or old roofs
Ice/Snow Damage	Yes (sudden events)	Gradual buildup, poor maintenance

Key Tip: Regular inspections, proper maintenance, and detailed documentation are essential to avoid denied claims. Dive into the full article for tips on filing claims, understanding policy terms, and preventing damage.

What Roof Insurance Typically Covers

Most homeowners’ insurance policies are designed to protect against sudden and unexpected roof damage. Knowing what’s usually included can help you handle claims more efficiently and avoid unpleasant surprises when something goes wrong.

Here’s what standard roof insurance often covers:

• Severe Weather Damage: Damage from storms, hurricanes, tornadoes, and high winds is typically included ^[1].
• Fire and Smoke: Roof damage caused by fires – whether from lightning, electrical problems, or other sources – is generally covered ^[5].
• Falling Objects: If a tree, branch, or other object falls on your roof, most policies cover both repairs and debris removal ^[7].

Common Coverage Types at a Glance

Coverage Type	What’s Included	Common Exclusions
Weather Damage	Hail, wind, snow/ice	Gradual water damage
Structural Issues	Sudden collapse	Normal settling
Accidents	Falling debris	Intentional damage
Fire/Smoke	All fire-related damage	Pre-existing burns

Key Coverage Limitations

Homeowners’ insurance policies often have exclusions you should be aware of:

• Wear and tear from aging
• Damage due to poor maintenance
• Pre-existing conditions
• Cosmetic issues that don’t impact functionality

Additionally, the type of policy you have – Actual Cash Value (ACV) or Replacement Cost Value (RCV) – affects what you’ll pay out of pocket. RCV policies cover the full cost of replacing damaged materials, while ACV policies deduct for depreciation ^[8].

How to Verify Your Coverage

• Check your policy for regional exclusions, coverage limits, and deductibles.
• Confirm whether windstorm and hail damage are included, as these are sometimes excluded ^[2].

Regular roof inspections and timely repairs can help you avoid claim denials due to neglect ^[2][4].

With a clear understanding of typical coverage, we can now look at the most common roof insurance claims and how they apply in real-life situations.

1. Storm Damage

Storm damage is one of the most frequent reasons for roof insurance claims. Knowing what your policy covers can help you respond quickly when severe weather hits.

What Does Storm Damage Coverage Include?

Most standard homeowners’ insurance policies cover damage caused by storms. This can include torn shingles from strong winds, hail dents or cracks, and structural issues from falling trees or debris ^[1][2]. Policies often cover both the cost of repairs and debris removal when the damage is extensive ^[7].

Steps to Handle a Storm Damage Claim

Here’s how to make the claims process smoother:

• Take photos of the damage to document the situation.
• Make temporary repairs to prevent further issues.
• Contact your insurance company as soon as possible.
• Get an assessment from a licensed contractor ^[3].

What You’ll Need for Documentation

Different types of storm damage require specific evidence:

• Hail damage: Photos and related weather reports.
• Wind damage: Inspection reports from a contractor.
• Fallen trees: Photos and a professional evaluation.
• Storm debris: A detailed inventory of the damage ^[2][4].

What Isn’t Covered?

Insurance won’t pay for damage caused by neglect, an aging roof, or poor installation ^[2][4]. To strengthen your claim, keep up with regular maintenance and inspections. Partnering with certified contractors can also help validate your case ^[3].

Quick action is key. Delays in addressing or reporting storm damage could result in denied claims, especially if secondary damage occurs ^[3][4].

While storms are a major cause of roof damage, falling debris from other sources can also create serious problems.

2. Damage from Fallen Debris

When trees, branches, or other objects fall onto your roof, the damage can be extensive. The good news? Standard homeowners’ insurance policies usually cover these situations ^[1][2].

What’s Usually Covered

Most insurance policies include coverage for both roof repairs and debris removal. This often applies to:

• Repairs or replacement of damaged roofing materials
• Fixing structural issues caused by the impact
• Removing fallen debris from the roof
• Interior damage tied to the incident ^[2][5]

What Might Not Be Covered

Insurance companies generally won’t pay for damage caused by:

• Neglect, like not trimming dead branches or ignoring wear and tear
• Pre-existing problems with your roof ^[2][4]

Check your policy’s exclusions carefully to avoid unexpected issues when filing a claim.

Filing Your Claim Successfully

Here are some steps to improve your chances of getting your claim approved:

1. Document the Damage
   Take clear photos and videos of:
   • Debris on your roof
   • All visible damage
   • The source of the debris
   • Any interior damage ^[3]
2. Notify Your Insurer Quickly
   Contact your insurance provider as soon as you notice the damage ^[3].
3. Get a Professional Inspection
   Hire a licensed roofing contractor to:
   • Document the damage in detail
   • Provide repair cost estimates
   • Support your claim with expert input ^[3]

Debris Removal Costs

Debris removal is often included in your claim, but there may be limits once the debris is taken off the roof ^[7]. Working with experienced professionals and keeping open communication with your insurance company can help you navigate the process smoothly ^[6][8].

While fallen debris can cause serious damage, fire-related incidents often require even more extensive roof repairs.

3. Fire Damage

Fire damage is one of the most challenging issues homeowners face. Here’s a breakdown of what’s typically included in coverage, what might be excluded, and how to file a claim.

What’s Covered

Most standard insurance policies include coverage for:

• Damage from flames and heat.
• Smoke and soot contamination.
• Structural issues caused by heat exposure.
• Water damage from firefighting efforts.
• Emergency tarping and temporary repairs.
• Living expenses if your home becomes uninhabitable ^[5].

Common Exclusions

Your claim might be denied if the fire is linked to:

• Intentional actions or arson.
• Poor maintenance or neglect.
• Failure to comply with local fire safety regulations.
• Not using fire-resistant roofing materials when required by local codes ^[2].

Filing a Successful Claim

1. Document the Damage: Take photos and videos from multiple angles to capture all damage. A professional inspection report with repair estimates can also strengthen your claim ^[3].
2. Notify Your Insurance Provider: Contact your insurer as soon as possible after ensuring everyone’s safety. Adjusters will evaluate the fire’s cause, the materials used in your home, the extent of the damage, and your maintenance history ^[9].

Risk Prevention

Lower the chances of fire damage by:

• Using Class A fire-resistant materials.
• Keeping ventilation systems clean.
• Clearing out gutters regularly.
• Scheduling routine inspections ^[2].

Taking these steps not only reduces fire risks but can also support your claim if damage occurs. While fire damage often requires significant repairs, remember that other hazards, like weather-related leaks, can also cause major roofing issues.

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4. Leaks Caused by Covered Events

Roof leaks can be a headache, especially when you’re trying to figure out if your insurance will help cover the damage. Knowing what’s included in your policy can make the claims process much smoother.

Coverage Basics

Most standard homeowners’ insurance policies cover roof leaks caused by sudden and unexpected events ^[2]. For example, damage from storms or falling debris is usually included in your coverage, as long as these events are listed in your policy.

How Roof Age Affects Coverage

The age of your roof plays a big role in how much coverage you’ll get. Older roofs are often reimbursed at a depreciated value rather than full replacement cost ^[2]. This is why it’s important to review your policy and keep records of your roof’s condition over time.

Coverage Limitations

Keep in mind that damage caused by wear and tear or neglect is not covered by insurance ^[11]. Regular maintenance and inspections are key to avoiding out-of-pocket expenses for leaks that could have been prevented.

Filing a Successful Claim

If you need to file a claim, act fast. Take photos of the damage, gather reports, and hire licensed contractors to assess the situation. Insurers typically look for proof that you’ve kept up with regular maintenance and addressed issues promptly ^[3][6]. Proper ventilation and drainage systems can also help prevent leaks and make your case stronger ^[9].

Policy Considerations

If you live in an area prone to hurricanes or heavy snow, your policy might include specific provisions for these risks ^[10]. It’s worth reviewing how your plan handles leaks and other roof-related damage, as these rules often extend to similar situations.

Leaks can be a hassle, but winter conditions like ice and snow can bring even bigger challenges for your roof and insurance coverage. Taking proactive steps can save you time and money in the long run.

5. Damage from Ice, Snow, or Sleet

Winter can wreak havoc on your roof, leading to costly repairs if you’re not prepared. Knowing how your insurance policy addresses these issues is key to safeguarding your home.

Winter Weather Risks to Your Roof

Ice and snow buildup can push your roof beyond its weight limit, especially in older homes. This added stress can cause:

• Cracks in roof supports or beams
• Water damage to ceilings and walls
• Weakened structural support
• In severe cases, roof collapse

What’s Covered?

Most homeowners’ insurance policies provide coverage for winter-related damage caused by extreme conditions ^[2][4]. Here’s what is generally included:

Type of Damage	Covered?	Conditions for Coverage
Weight-Related Damage	Yes	Must occur suddenly and unexpectedly
Structural Issues	Yes	Excludes pre-existing problems
Sleet Impact	Yes	Covers only direct damage

What’s Not Covered?

Insurance policies often have exclusions for certain winter-related issues ^[2][4]. Typically, you won’t be covered for:

• Gradual snow buildup over time
• Damage from poor upkeep
• Pre-existing structural problems

How to Document and File Claims

Take photos of the damage, keep detailed notes about the event, and get an inspection report from a professional. These steps can strengthen your claim ^[3].

Prevention Tips

Regular maintenance can help you avoid winter roof damage. Clear snow, clean your gutters, and consider installing ice shields or snow guards. These measures not only protect your home but can also support your claim if damage occurs ^[2].

Call in the Pros

Hiring experienced roofing contractors can make a big difference when filing a claim. They can assist with:

• Thorough damage assessments
• Accurate repair estimates
• Proper documentation
• Professional support during the claims process ^[3][9]

Quick action is critical for winter weather claims. Proper documentation and timely repairs can help ensure your claim is processed smoothly.

How to Handle the Roof Insurance Claims Process

Filing a roof insurance claim can feel daunting, but having a clear plan can make it much easier. With the right steps, you can navigate the process smoothly and improve your chances of approval.

Document the Damage Right Away

As soon as it’s safe, gather detailed photos and videos of the damage. Be thorough:

• Take close-ups to highlight specific issues.
• Capture wide shots to show the full extent of the damage.
• Record videos walking through the affected areas.
• Ensure all files have timestamps for accuracy.

Reach Out to Your Insurance Provider

When you contact your insurer to start the claims process, make sure to:

• Obtain your claim number.
• Clarify your coverage limits and deductible.
• Understand the timeline for the claim process.
• Get the next steps in writing for reference.

Collaborate with Experienced Contractors

Certified roofing contractors can be a big help during this process. Here’s how they can assist:

Contractor’s Role	How It Helps You
Assessing Damage	Provides a detailed technical evaluation.
Preparing Documentation	Supplies clear, professional repair estimates.
Navigating Insurance Policies	Helps interpret policy details and requirements.
Ensuring Quality Repairs	Makes sure repairs meet industry standards.

Be Prepared for the Insurance Adjuster

When meeting with the adjuster, have all your documentation ready. Avoid common pitfalls like waiting too long to report the damage or providing incomplete records. If possible, have your contractor join the inspection to offer professional insights.

"Clear communication involves being clear about the damage, providing detailed documentation, and asking questions about the process and timeline. It’s also important to follow up regularly to ensure your claim is being processed promptly" ^[3].

Key Tips to Keep in Mind

• Report Quickly: Delays can hurt your chances of approval.
• Keep Detailed Records: Save all communication, photos, and estimates.
• Wait for Approval: Only make emergency repairs before your claim is approved.

Stay on Top of the Process

Regularly check in with your insurer to track:

• Updates on your claim status.
• Any additional documents they need.
• Payment timelines.
• Progress on repairs.

Persistence and staying organized can make all the difference. By following these steps, you’ll be better equipped to manage your roof insurance claim and ensure your repairs are completed without unnecessary delays ^[2][3].

Conclusion

Knowing what your roof insurance covers is key to protecting one of your home’s most important features. We’ve looked at common claims and processes, and a few important takeaways stand out for homeowners.

Insurance typically covers sudden, unexpected damage – not gradual wear. Damage from storms, falling debris, or fire is often included, but general aging and routine wear aren’t covered under most policies ^[2]. Regular inspections and timely repairs can help avoid claim denials.

Partnering with certified contractors and working closely with insurance adjusters ensures accurate damage assessments and fair claim outcomes ^[3]. Keep in mind, the insurance adjuster has the final authority on claim approvals, even if your contractor identifies storm damage.

Here are a few steps to help protect your roof and streamline the claims process:

Action Item	Purpose	Benefit
Review Your Policy	Understand what’s included and excluded	Avoid unexpected denials
Document Maintenance	Keep records of inspections and repairs	Strengthen future claims
Work with Professionals	Use certified contractors for repairs	Ensure quality work and records

Staying informed about your coverage can save you money. Data shows that homeowners who maintain their roofs and understand their policies are better equipped to handle claims effectively ^[2][4].

As the leaves begin to change colours and the air turns crisp, it’s a sign that fall is here. While many homeowners are busy preparing their homes for the upcoming winter season, one essential area that often gets overlooked is the roof. Fall is the perfect time to take care of your roof and ensure it’s in optimal condition to withstand the harsh weather conditions ahead.

In this Fall Roof Maintenance Guide, we will explore the importance of fall roof maintenance and the key tasks you need to prioritize. By investing time and effort into maintaining your roof during the fall, you can prevent winter damage, extend the lifespan of your roof, and maintain the aesthetics and value of your home.

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To ensure the comfort, energy efficiency and structural integrity of your home, proper roofing materials and insulation techniques are paramount. As a homeowner seeking a new roof, siding or emergency roof repair, understanding the benefits of proper roofing materials and insulation techniques is essential.

In this blog post, we will explore various aspects related to roofing and insulation that contribute to significant energy efficiency and cost savings. We will discuss roll-on or spray-on insulation products for optimal results as well as ways to reduce reliance on heating/cooling appliances during extreme weather conditions.

Additionally, we’ll delve into noise reduction benefits provided by quality roofing systems – minimizing internal sound disturbance for occupants while preventing bothersome noises from affecting neighbours. Lastly, we will examine rural climate control advantages such as utilizing night ventilation resources effectively and overcoming challenges posed by poor-quality rural residential roofing.

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If you’re looking for a way to add natural light and extra ventilation to your home, skylights may be the perfect solution. Skylights can provide many benefits, such as increased energy efficiency, improved air quality, and more! In this blog post, we will discuss the pros and cons of skylights and help you decide if they are a good investment for your home.

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