Why Is My Roof Leaking?

Your home’s roof is a complex system made up of many parts that work together to protect your home and shelter your family. The failure of any one of those parts can result in a leaky roof—the stuff of nightmares for any homeowner. 

There are many reasons a roof can leak, some related to weather, some to wear, and some to faulty installation—with plenty of overlap among them. Let’s look at some of the most common causes in Minnesota for a leaky roof.

Storm damage

Storms, and weather in general, could be considered a “macro” cause of roof leaks, facilitating and amplifying the disrepair by the “micro” causes below. Rain is of course the arch-enemy of your roof, and one of the primary aims of roofing standards and best practices is to ensure the roof is water-tight.

For all the damage that water can do, wind is a close second. Strong winds can lift up shingles—the roof’s first line of defense—allowing dirt and debris to weaken their adhesive bonds in the best-case scenario, and in the worst, blowing shingles right off.

Impacts from hail on the roof can cause cracks and bruises in the shingles as well as granule loss, which exposes the asphalt beneath it to the elements and greatly shortens shingle lifespan. Even if this damage does not result in an immediate leak, it sets the stage for one in the future. 

After a moderate to severe storm, it’s prudent to give your roof a once-over (if you can do so safely) to look for any signs of damage. Most insurance policies will cover storm damage if it’s reported early enough.

Ice dams

If you live in Minnesota and have a roof leak in the winter, the most likely culprit is an ice dam. These are caused by ice buildup at the edge of the roof that trap melting snow behind them. The ice dams themselves are heavy and can weigh down gutters, but their main threat comes from water that pools behind them unchecked, which can work its way underneath shingles and into the attic. 

Ice dams can be readily mitigated by removing snow from the roof with a roof rake or using an ice melt in the middle of the dam to allow water to escape. Once that’s done you’ll want to have a professional inspect your roof to check for any damage from the incident, and to check the attic for proper insulation and ventilation to prevent their recurrence.

Compromised roof penetrations

Since the roof’s role is to protect your home, each object that penetrates it—pipe, vent, chimney, skylight—presents the risk of water intrusion. Installers use a number of practices to lower the risk of leaks at roof penetrations, including the use of flashing, pipe boots, and other reinforcements, but these wear down over time and often have a shorter lifespan than the roofing materials themselves.

Metal flashing can rust and crack over time, and the caulk used to secure it also breaks down. Pipe boots, which fit snugly over a protruding pipe and underneath adjacent shingles to protect this vulnerable junction, become less snug over time, as the rubber or plastic succumbs to the sun and other elements.

Periodic inspection of the area around roof penetrations is important to catch compromised flashing and boots before they allow for water infiltration.

Deteriorated chimneys

Of course, a chimney is a roof penetration so this point is slightly redundant, but considering chimneys provide so many potential pathways for water intrusion through the roof, they deserve their own mention. Cracks in the concrete chimney crown, caused by Minnesota’s freeze-thaw cycle ad infinitum, provide a pathway for water to enter through the chimney and into the home, as does deteriorating mortar between bricks, cracked or spalling bricks, and rusted, bent, or poorly installed flashing or crickets at the base of the chimney. And a chimney flue without a rain cap practically begs water to enter this open chasm through the roof absolutely unhindered.

Chimney experts are not by default roof experts, so it’s prudent to have a professional roofer examine any roof-related leaks, no matter their suspected origin.

Improperly driven nails

Fastening shingles to the roof decking is a fairly precise skill. The specific position of nails within the shingle is of enough importance that manufacturers mark shingles with dotted lines to aid the installer in proper placement. Even so, whether due to inexperience, haste, or other forces, it’s fairly common for nails to be improperly positioned, sometimes missing a shingle altogether, leaving it less secure and prone to sliding or blowing off.

Similarly, nails that are “over-driven” sink deep into the shingle or even right through it, leaving it loosely secured. “Under-driven” nails or nails driven into the shingle at an angle leave the nail head protruding. This defect can result in the nail “popping” as the loosely fastened shingle moves, and also allows for water to follow the nail head down through the roof, causing a leak.

Wear and tear

Of course, this is a cause almost too obvious to mention, as “wear and tear” spares nothing earthly except maybe diamonds and Christie Brinkley. But a point worth mentioning is that there is plenty we can do to mitigate the effects of wear and tear. First and foremost is proper installation. Many of the defects that lead to roof leaks and are attributed to wear and tear—loose shingles, exposed nails, leaky penetrations—could potentially be traced back to inferior workmanship or materials.

So yes, every roof is subject to deterioration over time due to the elements, but a roof that is expertly installed with quality materials by a certified roofer is going to stand up to “wear and tear” a lot longer than the alternative.

Schedule a free damage inspection

We’ll meet you at your home, assess the damage, and consult with you on our findings—all with no obligation. 

612-750-9172

Navigating a Homeowner’s Insurance Claim

When your home is damaged by a sudden event, you may decide to file a homeowner’s claim to cover the loss. Coverable events could include anything from exterior hail damage to interior flooding and everything in between. Your homeowner’s policy will detail coverage for a specific event.

Homeowner's insurance claim

The two things you’ll want to do immediately after a destructive event are 1) contact your insurance company, and 2) choose a building contractor to restore your home and to help you navigate the claims process—though not necessarily in that order.

Choosing a contractor

It’s wise to hire a contractor before reaching out to your insurance company. A trusted contractor can be by your side at the initial insurance adjuster’s visit to represent you and to maximize your claim. Choose this contractor carefully, as the outcome of your project, and potentially your claim, depends on it. Some things to consider:

  • Make sure they are licensed by the State of Minnesota. Choosing a state-licensed contractor provides several benefits and protections to you as a homeowner.
  • Select a contractor that is experienced in the insurance claims process. A savvy contractor will be well-versed in insurance industry parlance and confidently cite local codes to justify proposed work.
  • Ask neighbors! Your neighbors may have experienced a similar event previously and can be a great source for recommendations.

On-site inspection

Once you’ve chosen the general contractor for your project, they’ll set up a time with you to conduct an on-site inspection to assess the damage and determine a proposed scope of work. This is your chance to ask any questions and for you and your contractor to discuss expectations to make sure you’re on the same page.

If the damage to your home affects interior spaces, testing may be required to check for the presence of lead, asbestos, and mold before work can begin. An experienced contractor will have established relationships with professionals in the various trades required for completion of your project.

Dealing with your insurer

Your first interaction with your insurer after the event will be to file a claim. You’ll want to do this as quickly after the event as possible, as a delay in notifying them can lead to rejection of your claim. You’ll also want to take every practical step to mitigate the damage—say, by calling a plumber or water remediation company in the case of a leaky pipe. Failure to do so could negatively impact your claim.

During your initial conversation with the insurance company, you’ll be assigned a claim number, which you and your contractor will reference in all correspondence, and an adjuster will be assigned to your case. 

For homeowners who are filing their first claim, and even for experienced homeowners, conversations with the insurer can be time-consuming, laborious, and let’s face it—stressful. The advantage of hiring an experienced contractor is that they have the expertise and vocabulary to effectively advocate for you with your insurer. This is especially important at the initial insurance adjuster’s visit, where the adjuster will lay out a scope of work and assign a dollar amount that they expect will cover completion of the project.

You and your contractor can dispute this amount or request supplements to it as the project progresses and the full extent of the damage is revealed. A savvy homeowner will coordinate with the contractor regarding communication with the insurer, so as not to duplicate efforts and to present a united and coherent case for the claim.

The end game

Ideally the insured (you), the insurer, and the contractor will work seamlessly together to complete the project and restore the home within an agreed-upon budget. In reality there will be some wrinkles, as the parties hammer out the particulars of what falls within the scope of work and what doesn’t—what’s covered and what is not. 

A thorough familiarity with your homeowner’s policy and an experienced contractor will help you navigate these disagreements and ensure that you get the claim your policy entitles you to. 

Schedule a free damage inspection

We’ll meet you at your home, assess the damage, and consult with you on our findings—all with no obligation. 

612-750-9172

What Causes Ice Dams and How to Prevent Them

Ice dam on Minnesota roof

Ice dams are an unfortunate reality of Minnesota winters. As the name implies, ice dams are ridges of ice that build up at the edge of a roof, causing a dam beyond which melting snow can’t pass. The primary destructive force of ice dams comes from the water that pools behind them, which can get underneath shingles and leak into the attic. 

Once it’s in the attic this water can wreak havoc, wetting insulation and promoting the growth of mold. From there it can seep through the attic floor and infiltrate the living space, causing all manner of damage to ceilings, drywall, and flooring. 

What causes ice dams?

A few conditions must exist in order for ice dams to form—namely, snow on the roof and an air temperature below freezing. When these conditions are present, the primary trigger for the formation of ice dams is heated air from the living space entering the attic and warming the roof from below. (The sun can also serve as this trigger, though it is much less common.)

The melting snow then runs down the roof to the eaves, which are colder, extending beyond the frame of the house. There the water refreezes and over time builds up. This ice buildup can become quite heavy, potentially damaging gutters, downspouts, and fascia.  

How can I get rid of ice dams?

The sooner an ice dam is removed, the less damage it has the potential to cause. Several actions will interrupt the melting and refreezing that feed the ice dam.

The most obvious solution is removal of snow from the roof, which deprives the ice dam of its source. For this you can use a roof rake, ideally one with wheels or bumpers to minimize the risk of damaging shingles.

Another solution is to create a break in the dam to channel water off the roof. You can easily (and safely) accomplish this by filling one leg of a pair of nylons with an ice melt product, such as calcium chloride. Drape this vertically across the ice dam. As the product melts the ice, a channel is created to usher the pooling water off the roof.

Many roofing companies offer professional ice dam steaming, which makes use of a specialized tool that uses gentle, low-pressure steam to melt the ice dam, leaving roofing materials unharmed.

Though these are all relatively immediate solutions, they are of course not permanent. Preventing the formation of ice dams in the first place is the goal.

How can I prevent ice dams?

Since the main trigger for ice dam formation is a roof warmed from heat loss into the attic from the living space below, prevention is three-pronged:

  • First and foremost, the attic floor must be sufficiently insulated. This will keep heated air confined to the living space, where it belongs.  
  • Also crucial is the sealing of any air leaks around light fixtures, wires, pipes, etc. that penetrate the attic. Proper sealing is necessary to interrupt the flow of warm air from below, as air leaks are a major contributor to heat loss into the attic.
  • Finally, proper attic ventilation is critical in order to provide air circulation underneath the roof and an escape for warm air from the attic. Optimal ventilation will consist of equal amounts of incoming and outgoing air. This is most often achieved with a combination of soffit vents and ridge vents. 

A qualified roofing contractor will be able to assess how well your attic and roof meet these conditions and make any necessary recommendations to get it there.

Schedule a free inspection

We’ll meet you at your home, thoroughly assess your roof, consult with you on our findings, and deliver a quote – all with no obligation. We’re usually in and out in 30 minutes or less.

612-750-9172