Roof Leaking? Demand Dave Law Delivers Solutions

David Comras | Oct 27 2025 19:00

A leaky roof is one of the most stressful surprises a South Florida homeowner can face. Between sudden tropical downpours, high humidity, and hurricane-season storms, it’s no wonder roof leaks are a common cause of home insurance claims in Fort Lauderdale and across Broward County. But here’s the catch — not all roof leaks are treated equally by insurance companies. Understanding your policy and knowing what to do when you spot that first drip can make the difference between a fully covered repair and thousands of dollars out of pocket.

Does Homeowners Insurance Cover Roof Leaks?

The answer depends on why your roof is leaking. Most Florida homeowners insurance policies cover sudden and accidental damage — for instance, when a storm tears off shingles or debris punctures your roof. In those cases, both the water damage and roof repairs are often covered.

However, insurance companies frequently deny or limit coverage when they claim the leak resulted from:

  • Wear and tear or poor maintenance(such as old, cracked shingles)

  • Improper installation or prior repairs that weren’t up to code

  • Long-term leaks that developed slowly over time

This distinction can be confusing. Many homeowners only find out their coverage limitations after water starts pouring into the living room. That’s why reviewing your policy before disaster strikes is essential. If you’re uncertain about what your plan actually covers, an experienced property damage attorney can review it with you and explain your options clearly.

Why Roof Maintenance Matters in Fort Lauderdale

Living in South Florida means your roof faces extreme weather year-round — heavy rain, high winds, salt air, and intense sun exposure. Over time, these elements weaken even high-quality materials.

Common causes of leaks in the Fort Lauderdale area include:

  • Clogged gutters and downspouts trapping water on the roof, leading to rot and mold.

  • Damaged or missing shingles from wind or age, which allow water to penetrate the underlayment.

  • Cracked flashing around chimneys, skylights, and vents — common in older homes.

  • Hail and storm debris, which can cause invisible punctures that worsen over time.

Performing seasonal roof inspections, especially before and after hurricane season, is one of the best ways to prevent leaks and keep your home insurance valid. In many cases, insurers will deny claims if they determine “negligence” played a role.

How to Spot Early Signs of a Leak

Catching a leak early can save you thousands in repair costs. Watch for:

  • Water stains or discoloration on ceilings or walls

  • Bubbling or peeling paint

  • Damp or musty odors, especially in attics

  • Dripping sounds during or after rain

  • Visible light coming through roof boards or vents

Even small signs can signal a larger issue hidden behind walls or insulation. Schedule a professional roof inspection at least twice a year to catch these problems early.

What to Do When a Leak Appears

If you discover a leak, act quickly to limit the damage:

  1. Move belongings — Protect furniture, electronics, and valuables from further exposure.

  2. Contain the water — Use buckets, towels, or a wet/dry vacuum to minimize pooling.

  3. Puncture bubbling paint carefully — Releasing trapped water prevents spreading and wall collapse.

  4. Dry the area — Use fans and dehumidifiers to reduce mold risk.

  5. Document everything — Take photos and videos of the damage before making any repairs.

  6. Call a roofing professional to assess the problem and provide an estimate.

  7. Contact your insurance agent — But before you accept their decision, consult with a property damage attorney to ensure your claim is handled fairly.

Why You Need a Roof Leak Attorney

At Comras & Comras, we’ve seen far too many homeowners in Fort Lauderdale shortchanged by their insurance companies. Carriers often blame “maintenance issues” or “pre-existing conditions” to avoid paying full benefits. Our attorneys know how to challenge these tactics and fight for the compensation you deserve.

We can:

  • Review your policy to confirm your coverage

  • Communicate directly with the insurance adjuster

  • Negotiate a fair settlement that includes both roof repairs and interior damage

  • File suit when necessary to protect your rights

Having a knowledgeable attorney on your side means you don’t have to face the insurance process alone — and it can make a major difference in your payout.

Protect Your Home and Your Wallet

Your roof protects everything beneath it — your family, your belongings, and your peace of mind. Don’t let an insurance dispute or overlooked policy detail leave you paying for storm damage that should be covered.

If your Fort Lauderdale home has a roof leak or you suspect damage after a storm, call the Law Offices of Comras & Comras today at 954-765-3740. We’ll review your claim, explain your coverage, and fight to ensure you get the compensation you’re entitled to.