My Roof Is Hit By A Big Branch

As the rain pours in take a deep breath.

My roof is hit by a big branch.

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. Because the roof is sloped make sure you layer the shingles from bottom to top overlapping the top set with the bottom. 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.

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. Part of the problem is making the repair match. Whether your homeowners insurance policy includes coverage for fallen trees typically depends. I think that was unusual i can t imagine a claims adjuster doing that normally.

Learn who is responsible for fallen trees and property damage. Limbs hanging over a home are a threat to the rooftop and the entire property. 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. Oh and my husband went up on the roof with the claims adjuster and the 2 of them took the branch off the roof.

As branches scrape against roof shingles on windy days they can strip off layers of asphalt. You have to replace a few shingles. It wasn t a very tall pitched roof so it was easy to get on and off. This will ensure your roof is protected from all the weather elements.

Branches can be putting your home in danger for more than one reason when they grow too close to your roof. Read your policy carefully then check with your agent. Gravity is the law that never changes. Their leaves fall directly onto your roof or into the gutter which can lead to mold deterioration or leaks.

A large branch from the fir tree out back has snapped off and crashed through your roof taking out a window in the process. Should tree branches hang over your roof. Better to cut it down and control when and where it falls than to pay the price when you least expect it. 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. Sometimes it takes just one good storm to topple what was once a sturdy tree in your yard. First check your homeowner s insurance. Over time the sun s heat will cause the roof and shingles to expand making the nails pop out of place and thus increasing the risk of a leak.

2 climb onto the roof and walk towards the branch.