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Can you get sick from a leaking roof?

When water gets inside of your building from a leaking roof, it allows mold and fungus to grow. Mold can have a serious impact on our respiratory health. You may just feel that your throat and sinuses are irritated and develop a cough or sore throat. This might indicate you have an allergy to indoor mold.

roofingcampbell.com - 4 Ways a Leaky Roof Can Impact Your Health
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We typically think about leaky roofs as a big impact on our wallet. However, they can also make a big impact on our health. This is especially a concern for commercial building owners, who might impact the health of dozens or hundreds of people by letting a leaky roof go unhandled. Here are some of the health hazards to be on the lookout for when you have a leaky roof.

1. Mold and Fungus

When water gets inside of your building from a leaking roof, it allows mold and fungus to grow. Mold can have a serious impact on our respiratory health. You may just feel that your throat and sinuses are irritated and develop a cough or sore throat. This might indicate you have an allergy to indoor mold. Other people are more sensitive to mold and can have severe reactions. Also, some types of mold produce mycotoxins. These rare toxic molds can cause neurological damage to anyone, or any animal, exposed to them. If your roof leak has caused mold growth, it is wise to have it removed when the roof is fixed, in case it is causing any health issues. Also, higher humidity may make those with asthma and other respiratory issues more uncomfortable, even if it doesn’t cause mold or fungus growth.

2. Slips and Falls

Of course, water dripping from the ceiling onto the floor can be a tripping hazard, especially for the person who first discovers it. In a commercial building or large residential buildings, it can be frustrating to keep a handle on the water created by roof leaks to avoid injuries. You or a staff member may have to post a sign, change out the bucket you’re using to collect the water, and mop up. It’s also important to note that water damage that goes unchecked can create uneven surfaces on the floor below, which can also be a long-term tripping hazard. Sometimes it is necessary to replace the flooring.

3. Electrical Hazards

Water intrusion in any building can also lead to electrical hazards. Water from a roofing leak that falls onto wiring or other electrical components can easily electrocute someone. Electrocution can cause minor burns and discomfort, but at its extreme, it could even kill someone. While those circumstances are rare, it is important to have a professional immediately address any water near electrical equipment, and not try to resolve the problem yourself.

4. Stress

Dealing with a roof leak and organizing for a repair is very stressful for most people. Plus, we often underestimate how much of an impact stress has on our health. Even over the short term, stress can contribute to many other health problems you may have, from heart disease to diabetes. On its own, stress can cause headaches, fatigue, an upset stomach, sleep problems, and more. To cope with even temporary intense stress, people often turn to unhealthy coping mechanisms such as overeating or social withdrawal. If you already have some stress in your life, having a major roof leak to deal with will contribute. Get a stress-free roofing repair experience, and avoid the other potential health hazards caused by contacting Campbell Roofing.

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Can a leaking roof be claim on insurance?

Homeowners insurance may cover a roof leak if it is caused by a covered peril. Suppose your roof is damaged by fire, hail or wind. which results in a leak. In those cases, your homeowners policy may help pay to repair the roof leak (unless your policy has a wind or hail exclusion).

allstate.com - Does Homeowners Insurance Cover Roof Damage? | Allstate

The dwelling coverage in a homeowners insurance policy typically helps protect your home's structure, including the roof, from certain perils, or causes of damage. Commonly covered perils include fire, wind and hail damage. So, if your roof needs repairs after it is damaged by hail or by a tree that topples onto it during a windstorm, you may find that your dwelling coverage helps cover the cost. If the contents of your home are ruined as the result of a covered roof claim, personal property coverage may help pay to repair or replace them. Meanwhile, the roof of an unattached structure on your property, such as a shed or detached garage, may be covered by the other structures protection in a homeowners insurance policy if the damage is caused by a covered peril. It's important to keep in mind that you will likely need to pay a deductible before homeowners insurance will help pay to repair a damaged roof, and your coverage limit will apply. Read your policy to learn what your deductible and coverage limits are, or contact your agent for help adjusting them to fit your needs. Note that some homeowners insurance policies may have windstorm and hail exclusions, which means damage caused by those perils would not be covered. Read your policy to learn whether yours lists any exclusions.

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