What do you do when your roof is leaking?
A Gold Coast leaking roof is common as our weather is notorious for extreme rain events. Summer storms are the most likely time you may experience a leaking roof. Heavy rain accompanied by strong winds can create the scenario for a roof leak that cannot be replicated. Like all plumbing problems, a leaking roof will not go away.
Signs that you have a leaking roof
heavy rain causing gutters to overflow can create a Gold Coast leaking roof especially if you also have blocked stormwater drains
A leaking roof does not always show up when the rain is pouring down. Obviously, the water inundation occurs during the storm, but signs of the roof leak can show up much later.
Water dripping through the light fittings or a crack in the ceiling creating a wet patch is a visible sign you have a Gold Coast leaking roof. Some of the obvious signs that you have a leaking roof are:
- water drips occur while it is raining or shortly after the rain stops
- water is running down interior walls
- the water drops will be a dirty brown colour resulting in dirty wet stains on gyprock ceilings
- your gyprock ceiling develops a bulge
- gyprock ceilings or walls become mouldy
- ceiling insulation is wet
Water damage from a roof leak
A Gold Coast leaking roof is an unwanted water feature that can create multiple hazards in your home or business premises that include:
- damage to the timber trusses that hold your roof up
- bulging to the gyprock ceiling that can result in it falling down in sections that are inundated with rainwater
- damaged roof insulation
- damage to electric lights and wiring
- create a breeding ground for mosquitos
Health risks from a leaking roof
An obvious risk from any water leak is the occurrence of mould and mildew. An intermittent roof leak that creates dampness is more likely to create the perfect breeding ground for mould in carpet and gyprock.
Mould spores from wet carpet, gyprock ceilings and walls can transfer quickly via air conditioning that can cause respiratory issues for everyone who comes in contact.
What you should do if your roof starts leaking
A roof leak that suddenly occurs as a result of storm damage will usually take you by surprise. The first thing to do if you experience a sudden roof leak during a storm is to move furniture, electrical appliances and any valuable personal belongings away from the leak area. If you cannot transfer your furniture, try to cover it.
Once you have moved your personal belongings, try to put a bucket under the water drip to contain the mess from the dripping water. Having further buckets is a necessity so you can empty the buckets. If the water is spreading use towels to contain it and try mopping the area to soak up as much water as possible.
How to repair a Gold Coast leaking roof
A roof leak needs to be investigated and repaired as soon as you become aware of it. Roofing repairs are not DIY jobs and squeezing silicon all over a roof achieves very little. A roof can be a dangerous place with falls from roofs by DIY warriors accounting for a large number of hospital admissions.
There are no quick fixes with a leaking roof. A leaking roof can be leaking in more than one place, and it is a process of elimination to solve the roof leak. You need to be aware that your house insurance will cover you for storm damage. However, if the water damage is attributed to your negligence due to you ignoring a previous leaking roof, there is a strong possibility they will reject your insurance claim.
Whywait Plumbing is Gold Coast leaking roof specialists. Our plumbing technicians have experienced most leaking roof issues and will ensure your roof is inspected and repaired before the water damage becomes worse.
Call us today on (07) 5580 4311 to organise for a fully licensed Whywait Plumbing roof leak expert to inspect your roof.
Here at Whywait Plumbing, we frequently get a phone call asking does insurance cover water leaks? Every week we are called upon to deal with insurance companies or assessors on behalf of clients when they have sustained water damage to their home.
With water leaks just like everything else to do with insurance, there seem to be multiple grey areas with numerous interpretations. It is our experience we find every time we deal with an insurance company where the circumstances of the water leak are similar to previous we meet with a different response.
The product disclosure statement issued with your policy is where we find all the confusion starts. This is where the insurance company hopefully discloses what is covered by your policy. If you find the product disclosure statement confusing then call the insurance company to clarify what the coverage is that you are paying for. The more questions you ask, the more you will understand. Remember there is no such thing as a stupid question. Also, remember insurance companies record all calls, so keep diary notes of when you called and who you spoke to. Better still send them an email confirming your phone call and what your understanding was of the answers you received. This creates an electronic paper trail that can be utilised at a later date.
Important Definitions & Clauses
There are three important definitions and clauses which appear to apply to the question does insurance cover water leaks:
- the “Water Damage Clauses” in the actual policy
- the definition of what is water damage
- the definition of what is gradual water damage
The Water Damage Clauses
The water damage clauses you should always read carefully and ensure you understand. Generally, it will have a section with several clauses and subclauses in the policy which will cover water damage and what you can claim for if you make a water damage claim on your home.
As a rule, it will state precisely what water damage your insurance policy covers and what is excluded. The exclusions are what you need to be aware of as often they will include an all-encompassing negligence clause coupled with a failure to maintain your home in good repair. If you have these general all-encompassing clauses, ask your insurance company what they precisely mean as we’ve seen these clauses used to deny coverage where it was in a very grey area and open to interpretation in their favour.
The Definition of Water Damage
Water damage can occur in so many ways that it’s generally not well defined in your insurance policy. In our experience, insurance companies specify water damage in two ways:
- accidental or sudden water damage
- gradual water damage
We’ve found that instances such as burst pipes, burst taps, burst valves, overflowing sewerage, overflowing stormwater and storm damage are covered by most insurance policies. This is because it was a sudden event that you could not have prevented.
In contrast, the damage caused by slow plumbing leaks in pipes, showers, toilets, gutters and roofs not damaged by a storm is not covered as they are classified as gradual water damage.
The Definition of Gradual Water Damage
Essentially gradual water damage is the insurance policy get out of jail free card. It is water damage they assess has occurred gradually over time. Frequently the water damage was visible to the trained eye but invisible to you as it covers the rotting of timber under the paint or mould in the walls, floor or ceiling. Essentially the insurance company will conclude you were negligent in not maintaining your home.
Examples of gradual water damage we frequently see are:
- seepage from leaking taps into cupboards
- leaking shower trays
- leaking shower taps
- leaking toilet cisterns
- leaking drain pipes
- rusted-out sections in gutters and roof
The water damage from many of these occurrences is often not covered by your insurance policy as it will be concluded you failed to keep your home in good repair through regular and reasonable maintenance.
Water Leak Prevention
The best way to avoid an unsuccessful water leak claim is regular maintenance by Whywait Plumbing. Now this will not prevent every possible water leak scenario happening, but it will demonstrate to the insurance company that you have been undertaking regular maintenance.
At Whywait Plumbing, we see instances every day of water damage that has occurred through the failure to maintain your home regularly. That is why we recommend all our clients to become a Service Partner and enjoy the VIP benefits of having a Service Partner Plan to maintain your most valuable asset, your home, proactively.
What you do next when your home is damaged by a storm on the Gold Coast or Logan City is always determined by the extent of the damage. In South-East Queensland severe storms can strike at any time whilst being unpredictable and the cause of major property damage. Water inundation is often the cause of most concern and will cause the most damage to your possessions, fixtures and fittings.