Roof Maintenance: A Shield Against Storms and Time
CIBA Insurance Services
Empowering Property Owners with Data-driven Commercial Insurance Solutions
For landlords, a roof over their tenants' heads is more than just a physical structure; it's a legal and financial responsibility. Just like any other vital component of your property, your roof requires regular attention and care to ensure its longevity and optimal performance.
If that’s not enough to convince you, as a landlord, it’s a landlord’s legal duty to provide a safe and livable housing for the tenants within your property. This includes “a roof that keeps out rain and snow”, among many other items. This is referred to as the “implied warranty of habitability” which is simply a landlords promise to their tenants to provide a livable space in exchange for their rent which is recognized by all states. (1)
Proactive maintenance, starting with regular inspections, is the most effective way to prevent costly roof repairs. Typical property repairs, if caught early, are simple & minor repairs… however if left longer they quickly could turn into habitability problems. A simple example of this is in the event of discolored ceilings or walls (water stains). If this is the result of a roof leak, simply calling in a professional to patch or repair the roof is considered a minor repair. However, if left unaddressed, it quickly could turn into mildew or mold which can now be a habitability problem.
A roof maintenance plan can help you extend the life of your roof and prevent serious damage. A good plan includes regular inspections and maintenance tasks, such as:
Roof Maintenance for Property Owners:
1. Regular Inspections
a. Frequency: Inspect your roof at least twice a year (spring and fall) and after major storms.
b. What to Look For: Missing, curled, or damaged shingles. Signs of wear around flashing, vents, and chimneys. Pooled water on flat roofs. Mold, algae, or moss growth. Gutter clogs and debris buildup.
2. Clean Debris
a. Remove leaves, branches, and other debris from the roof surface and gutters to prevent water accumulation and damage.
3. Maintain Gutters
a. Clean gutters and downspouts regularly to ensure proper drainage.
b. Inspect for sagging or damage and repair as needed.
4. Check Flashing and Seals
a. Inspect and repair flashing around chimneys, vents, and skylights to prevent leaks.
b. Reapply sealants if they are cracked or worn.
5. Address Moss and Algae
a. Use a soft brush and a mixture of water and mild detergent to remove moss and algae.
b. Consider installing zinc or copper strips to inhibit future growth.
6. Repair Damage Promptly
a. Replace damaged shingles or tiles immediately to prevent leaks.
b. Patch small cracks in flat roofing membranes with roofing sealant.
7. Trim Overhanging Branches
a. Cut back tree limbs that hang over your roof to reduce debris accumulation and prevent damage from falling branches.
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8. Insulate and Ventilate
a. Ensure your attic is well-insulated and ventilated to prevent ice dams and reduce moisture buildup.
9. Professional Inspection
a. Hire a professional roofing contractor for a thorough inspection every 3–5 years for roofs over 10 years old or if you suspect significant damage.
While maintenance keeps your roof in good shape, eventually all roofs need to be replaced. Roofs typically last 15-50 years, depending on the material and state. Consider budgeting for roof replacement as part of your capital expenditures plan.
If Problems DO occur, Prompt Repairs & Reporting are Essential to Recovery. If you discover any signs of damage, such as leaks, missing shingles, or interior water stains, contact a qualified roofing professional and report the issue to your insurance company as soon as possible. Prompt reporting of any claims helps ensure a smoother claims process, lowers total expenses for property owners and can prevent further damage.
Protect Your Investment: Regular roof maintenance is not just about preventing immediate problems; it's about protecting your long-term investment. By proactively addressing potential issues, you can extend the life of your roof, minimize costly repairs, and ensure the safety and comfort of your tenants. A well-maintained roof contributes to a property’s value, reduces insurance risks, and provides peace of mind. Investing in regular maintenance is an investment in the future of your property.
Article Provided by:
CIBA Insurance Services in partnership with Claims Adjusting Group
Visit our Website for more important risk mitigation information & articles. https://www.cibaservices.com/loss-control-resources
At CIBA, we understand the importance of protecting your property from all types of risks, including water damage. Our insurance policies offer peace of mind and financial protection when the unexpected happens. Contact an authorized CIBA broker today to discuss your specific needs and ensure you have the right coverage in place.
About CIBA Insurance Services
Our journey began in 1993 when a forward-thinking property development manager sought innovative insurance solutions. Over the years, we've transformed into a prominent E&S insurance program recognized across the market for robust coverages and unwavering service stability, consistently evolving our solutions to meet the dynamic demands of the industry, our valued partners, and our esteemed clients
Disclaimer:
This is general information and is not intended to be a comprehensive guide and does not constitute a guarantee. We encourage landlords, business owners, and property owners to talk to professionals and review their local laws and ordinances for the most current information.
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