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Expert Q Ren Molnar Q&A Archive
Top > Roofing > Insurance

Question:

I have a 30 year old home with a flat roof. My roof has been leaking. But water has leaked through the 2nd floor ceiling and through the walls, to the main floor. I am going to get the roof re-done but typically they do not replace the whole roof (plywood and all that). Insurance said they will cover any damages to the inside that the water has caused. It is obvious that the insulation on the roof is soaked in many places. Insurance is saying the best way to get to it - is to tear down parts of the ceiling. My roofing guy says that since he will be up there anyway - he should take off the plywood and replace the insulation from that way. We do not have an attic in the house, so we can not access the insulation without removing part of the ceiling. Which is the best way for the damaged insulation to be replaced? Roof or ceiling? Also, if the answer is ceiling - I am concerned that damaged (wet) insulation may go unnoticed because there may not be a stain in the ceiling at that particular point. If they were to access it from the roof - then they would get a clearer view of where the water is. What is your opinion?

Answer:

I would far rather go with what the roofer suggests than anything else. These people have their hands in it every day and will, at a glance, know what direction to approach it from.

Answered By: Ren Molnar

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