So about the attic and roof. Yes, the roof is leaking. It’s a slow leak, though, with minimal damage thus far. However, last night we noticed that the leak was strong enough to now create water bubbles in our master bedroom ceiling, which is directly under the main drip area Denis discovered.
So I called our homeowners insurance this morning to find out if it might be covered, and she said if it is normal wear and tear it is NOT covered (it shouldn’t be normal wear and tear though – the roof is only 8 years old). She said if it’s debris damage then we’d have a $500 deductible. If it’s WIND damage, thus causing shingles to be shifted or even gone, then we’d have to pay a HUGE wind/hail deductible – over $3K – before the ins. co. starts paying.
The rep contacted a roofing company who can do temporary repair (read: a tarp on our roof), the free estimate of repair and then subsequent repairs. I don’t know what to think. Part of me hopes it’s a simple $100 repair – new caulking or something stupid like that. Part of me hopes it’s substantial but falls under the $500 deductible coverage. What I DON’T want is this roofer to tell me it was wind damage and will cost $3200 to fix.