Homeowner's Insurance

If your roof is leaking from last winters snow and this has caused ceiling and insulation damage and contractors say there are 3 layers of shingles and the whole roof needs replacing is this covered?


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2005-09-28 04:42:21
2005-09-28 04:42:21

You really need to ask your agent. If the roof is just worn out from age, it probably is not covered. If it was damaged in a storm, you usually have only a certain number of days to file a claim. They will probably say the interior damage is your fault for not reporting the damage to the roof. If it is covered, it is possible that the policy will only cover removal of two layers of shingles. But all the layers don't need to be replaced. The multiple layers were put on by someone trying to save a dollar by adding a layer instead of replacing one.


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Venting to eliminate moisture and insulation in the ceiling.

In the ceiling and the walls

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For insulation purposes to the ceiling

What is your question here? If you want to keep the insulation from sweating get thicker insulation. You probably have 3/8 thick insulation; increase to 1/2 or 5/8. It is possible that your suction line is freezing up and when it thaws it soaks the insulation causing it to drip. If you can't prevent the leak, use a vinyl ceiling tile, like Ceilume, in that area. It won't absorb moisture and is easily cleaned.

Yes, he is obligated to take reasonable care of the property that you rent.

Depending on which type of ceiling panel, there are several benefits. Radiant ceiling tiles are an economic heating alternative. Suspended ceiling tiles enhance a room's appearance and provide sound insulation. Acoustic ceiling panels provide further sound control.

Yes only after replacing light bulbs.

No. The trapped air gives you your insulating value. When you squeeze the old and new together you will not gain anything.

Loft insulation prevents Conduction and Convection, the floor of the loft is layered with thick wool, this stops heat escaping from your ceiling and stops the cold getting in. :P


You can purchase R19 insulation at your local hardware store. A normal 12 x 14 foot room could be insulated with just three or four rolls. Depending on where you are, each roll runs about $25.

It would give you future access to electrical, air ducts, and ease of installing insulation. Unless you're using a grid type drop ceiling, which is made to be suspended from the old ceiling.

R 13 for 3.5" wall cavities, R19 for 5.5". R30 for blown in insulation and batts in ceilings.

thatwould depend on the purpose of the insulation sound or thermal? Assuming thermal the available height of the ceiling would dictate what you can achieve but 50-100mm Knauf brand would be a good average. However you may want a natural insulation or sound inslulation combined. You should fits consider how much space you have, what type of insulation type and function you require and work out your optimum purchase from that. Richard

Between the rafters like you do the side walls. If the ceiling is finished you can blow in loose insulation.

If you are replacing ceiling fans that are already existing, it is very easy to switch them out. If you are placing a new one, you will definitely need an electrician.

Thomas D Phillips has written: 'Effect of ceiling insulation upon summer comfort' -- subject(s): Insulation (Heat), Ceilings, Thermal properties

Just change the switch, The type of wire has no bearing. The insulation will be brittle. If needed wrap the ends in the box with electrical tape. Only other solution is replacing the wire which means ripping out the wall and ceiling to get to the wire.

IC means Insulated Ceiling. A non-IC can needs the insulation pulled back away from it so it won't overheat. An IC can may touch the insulation.

Repairing Wall-to-Wall CarpetFor those who value the aesthetic appeal of their household, one of the biggest detriments a home can possess in the kitchen is a drop ceiling. In order to improve the home dramatically, it is highly recommended to remove the drop ceiling entirely.When removing the drop ceiling, the best strategy is typically to replace the ceiling with plain drywall. This will elevate the ceiling significantly and appear more desirable, greatly contributing to the aesthetic appeal of the home.Before replacing a drop ceiling with drywall, however, one of the most essential factors to consider is what color to use. In most cases, many people prefer a plain gray or white ceiling so that it does not stand out excessively. In many circumstances, however, painting the ceiling to match the walls can have a very positive effect.Rather than replacing the drop ceiling with drywall, another option is to use a more creative and unique replacement, such as copper or tin. Alternatively, adding architectural beams can provide immense value to the overall quality of the ceiling and may be significantly easier than replacing the ceiling with new material.One additional factor that must be considered when replacing a drop ceiling is the lighting. When removing a drop ceiling, it is highly recommended to avoid using traditional fluorescent lights and instead seek out a more decorative alternative. Chandeliers or pendant lights are one excellent option that many prefer. Alternatively, using a recessed type of lighting structure can also be highly effective.

Not a good idea. It really needs to breathe. You can trap moisture and create a mold situation.

You only need 8-10 inches. That is enough for insulation. You only need enough to put in the insulation you want. I'm in Arizona and only have 1' between the ceiling and a flat roof. But it's full of insulation. Works for me. Possible help added: A ridge vent for a pitched roof is a great way to help keep the heat down in an attic.

It may take more energy to heat and cool, really not much difference. Insulation is not a perfectionist thing. Insulation that is not installed well can be completely useless. If gaps around insulation between ceiling joists are only 5mm or 0.2" (1/5 of an inch) the insulation can be reduced in effectiveness by 20%. Insulation that is compressed is also reduced in effectiveness. Choose insulation to suit the available space and install carefully. Blown or loose insulation in a drafty roof space will be blown about and have no effect. Insulation that is incorrectly installed can also be a fire hazard. especially around electrical fittings such as lights. Insulation that gets wet can be a mold problem and will also be ineffective.

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