HOA Roof Repair Tips
Living in a community with an HOA, or Home Owners’ Association, has its perks. There’s usually a community pool or other community spaces, you can be sure that the homes are uniformly maintained, and you might even get some of your home’s maintenance covered for you. In exchange, you pay a monthly or yearly fee to take advantage of those benefits.
It’s important to know what your HOA covers when you have roof trouble. In some cases, your HOA may provide funding, and in other cases, your HOA will simply require that you take care of the roof so that it doesn’t become an eyesore or a risk to connected homes.
Here’s what you should keep in mind about repairing a roof under the jurisdiction of an HOA before you call a Sun City roofing contractor:
Report It to Your Landlord Immediately
You may only be renting a home that’s under an HOA. Therefore, you are not the person who is required to talk with the HOA about the needed roof repair. Your landlord is responsible.
However, since you are the tenant, you are the person who knows what’s going on with the house, and it is your responsibility to notify the landlord immediately when repair is needed (or you suspect that it is needed). You may be found in violation of your tenant’s agreement if it is discovered that you did not report known roofing issues to your landlord so they could be repaired. That could result in fines and other penalties.
Report It to the HOA Board
If you are the owner of the home, you still have a responsibility to repair your roof quickly if you live in a community with an HOA. One purpose of such boards is to ensure that there is consistency in the look and upkeep of the homes in the community so that the value of the homes is protected. If the homes are connected, such as in the case of townhomes, routine maintenance and repair also protects the other homes from damages as a result of another’s negligence.
Once you suspect that your roof is having problems, you should immediately report it to your HOA board. The board will let you know whether the repairs will be covered and what the procedure will be. In some cases, the HOA board will send out a roofing contractor and pay for the roof repair. In other cases, you may be required to find your own contractor, to pay out of pocket for the repair, and to be reimbursed. Contact your board to find out.
Find Out if Your Insurance Covers It
In case your HOA membership does not cover roof repair, or does not cover the particular work you need, you may still be able to get the expense covered. Your homeowner’s insurance may cover some types of roof repair, such as those required because of storm damage.
Contact your insurance company to find out if your roof work would be covered. The insurance company may require you to get an estimate from a roofing contractor, along with information about why the repair is needed, before it will sign off on the expense. Know that you may end up paying for the inspection or the roof work yourself.
Make Repairs as Quickly as Possible
Whether you are paying for your roof repair yourself or you are getting the HOA or the insurance company to do it, you need to act quickly. The longer that roof issues are left uncorrected, the more likely that damage will spread throughout your roof and throughout your home. A small leak, for example, can drip continuously, quietly rotting wood and other materials and spreading mold.
Get a regular roofing inspection to discover signs of problems in their earliest stages, and make roof repair as soon as you know it’s needed. You’ll save yourself a lot of money in the long run, and you’ll protect the value of your home. If you live in a community with an HOA, taking this quick action will also put you in the good graces of your neighbors and save you from any potential fines.
Canyon State Roofing and Consulting offers the roof repair and maintenance you need in Sun City and the surrounding area. We work on all types of popular roofing, including shingle roofing and tile roofing. We work with individual homeowners and with homeowners’ associations. Call us today in Sun City to talk with a roofing contractor or to schedule an inspection and estimate.