We urge all our clients who are property owners to please have their roofs inspected following the hail damage from the 27 November 2014 storms.
In recent days we have received a number of new claims for water damage to tenants of buildings where the roof has begun to leak. With the recent Cyclone Marcia rains, these buildings have caused new problems and additional claims for our clients.
What appears to have happened is that following the November hail, where many parts of Brisbane received jagged rock like hail the size of tennis balls, they have damaged metal roofs with dimpling similar to what we have seen on hail damaged cars.
... pinholes have developed and have started leaking ...
What has happened, is that these small dimples have damaged either the galvanised finish or colour bond on the metal. Water has pooled in there and began to rust and has been topped up with more rain. As a result tiny pinholes have developed and have started leaking into the ceiling cavities. It then pools at a low lying area and eventually seeps into the room below.
A property owner takes full responsibility for this. The resultant water damage could drip into expensive computer equipment, or it can damage carpet or laminate used as flooring resulting in an expensive claim against the Landlord.
When it is a tenant who is our client, we advise them to claim under the Fire and Perils section of their policy and leave it to the Insurer to recover from the landlord or body corporate. Making a claim instead against the landlord can go one of two ways. He will act straight away to mitigate his loss and placate an upset tenant, but on some occasions they are not motivated to assist the tenant with fixing the problem. Especially if they are not insured, and amazingly, some property owners do not insure their property because they consider insurance too expensive.
If you are a tenant and you have water coming into your rooms, move all electrical equipment away from its path. Call your landlord or property manager as soon as possible. If it is falling on to carpet or other coverings, call your carpet cleaner as soon as possible to dry them out and prevent rot and staining. It also helps to prevent that dank rotting smell. If you do not know a carpet restorer or cleaner, let us know as we know people who can assist.
If you are a landlord, call a roofing expert or plumber to identify the leaks and determine if it can be repaired or does the roof have to be replaced.
Take photos of the damage as evidence of what you are dealing with, for the insurers.
Most insurers are happy to cover these mitigation expenses as you have assisted lowering the cost of the claim.
Mitigating the cost of the claims assists in keeping insurance affordable for all and makes your own loss history more attractive as this also effects the cost of your insurance.
... more than $1.1 Billion worth of claims ...
The 27 November storms have resulted in more than $1.1 Billion worth of claims and more than 123,000 claims lodged. With glass still being hard to come by and crash repairers booked until July, it is a difficult time for the claims process.
We are hopeful that not too many damaged roof claims eventuate, but we stand ready to assist our clients.
Paddy was driving down the street in a sweat because he had an important meeting and couldn't find a parking space.
Looking up to heaven he said, "Lord, take pity on me. If you find me a parking space I will go to Mass every Sunday for the rest of the my life!"
Miraculously, a parking space appeared.
Paddy looked up again and said, "Never mind, I found one."