The answer probably lies within your association's declaration of covenants, conditions and restrictions (CC&Rs). There may be an exculpatory, or non-liability, clause that lets the association off the hook even if negligence is a factor in the deficiency in the common roof.
The association's insurance would not be responsible for paying for your claim if this type of exculpatory clause appears in the legal documents.
The insurance company could also deny your claim if the association has had a history of roof leaks in the past. Insurance companies soon get wise to associations that defer their roof maintenance and then expect the insurance coverage to pay for interior damage. A past history of roof leaks can result in eventual cancellation of the association's policy.
In my opinion, it is wise to obtain insurance coverage for the interior of your unit and its contents. This will only assist you in case of future losses. When obtaining this coverage, you should also consider loss-assessment coverage, which will reimburse you in the event that your association must levy a special assessment due to an insurance loss. This type of coverage is very helpful if your association is affected by an earthquake or flooding for example.
Consult an attorney who specializes in community association law. After reviewing your association's legal documents and insurance policy, he or she will be able to advise you about your rights and the association's obligations.
If your roof is leaking due to a loss suffered from a covered peril under your policy such as fire, wind hail etc. (see your policy for covered perils) then your roof leak as well as any resulting damage should be covered under you home insurance policy. If you roof is leaking simply because it is old and has reached or or surpassed it's life expectancy (an expected and normal home owners maintenance issue) the roof leak would not be covered.
The best way to fix a roof leak is to replace your Shingles because that is the main reason why it is leaking because the tree hit your roof. You can find Shingles at any store such as Home Depot and you can find the right tools at a hardware store.
It could be you have a leak in your roof or a broken pipe inside a wall that is causing this. I'd check out the roof first (usually "goop" will do the trick for a quick fix) and if it isn't the roof then bring a professional in to see where the leak is.
Roof leak repair begins with roof leak detection. If the rafters and underside of your roof deck is exposed, you will have an easier time of it. That said, however, water leaks have a way of being incredibly deceptive. The spot where you see water and stains may be some distance from the actual roof damage. A professional roofer knows the tricks that water can play, so don't risk climbing onto your roof and searching for the source yourself. There are many companies that specialize in roof leak repair and that provides fast, reliable leak detection and roof leak repair service.
Roof leak repairs maybe cheap or little costly according to your roof condition but you should inspect your roof firstly and get hire a professional roof repairs , I suggest you please visit Three Counties Builders Ltd website and call them, they will give you better suggestions. threecountiesbuildersltd.co.uk
The best way to plug a leak in a roof while waiting for a professional vary's on the level of damage. But it is suggested to use a type of roof sealent until the professional arrives.
To make a roof leak, you'll need to punch a hole in it.
The cost will vary depending on who you hire to fix your roof, if you are handy you could actually probably fix the leak yourself for around 500 dollars spent at the Home Depot.
form_title=Sealant for Roof Apply form_header=10933 What is the reason for the roof sealant treatment? (Select all that apply)*=  As regular maintenance  To extend the life of the roof  To repair leak(s)  To prevent leaks  To improve the roof's appearance  Putting home on the market  Other Please specify how many stories there are in your home.*= () One story () Two stories () Three stories or more
I have a waterline leak at my home from the street to my home....can I get a grant to fix this leak?
It depends on the termsof your insurance.