Tree Broke Ridge Board On Roof

Does homeowners insurance cover damage from falling tree limbs.

Tree broke ridge board on roof.

The top end of each rafter is cut at an angle so that it meets flush with one broadside of the ridge board and the ridge is sandwiched between the rafters. Choose a ridge board that is one size larger than your common rafters. I can see 1 4 to 1 2 inch gap between the ridge board and rafters. I think that was unusual i can t imagine a claims adjuster doing that normally.

A fallen tree can cause broken windows as well as a hole in your roof or siding. You could also potentially have damaged gas lines. But when your neighbor s tree falls on your roof you ll care and want to know whose homeowners insurance will pay. Click on photo for full size.

It wasn t a very tall pitched roof so it was easy to get on and off. The roof was nearly 18 years old anyway and needed to be replaced. The rain is pouring. The limbs of the tree punctured the roof in at least two spots so we re already looking at repairs.

Ridge boards and beams. I noticed that some of the rafters of my home are not joined properly to the ridge board beam. The ridge board s length will be the outside measurement of the building plus the length of the overhang at both ends. The wind is howling.

And suddenly you hear a huge crash and a roar that sounds like the roof gave way. For 2 x 6 rafters use a 2 x 8 ridge board and so on. Oh and my husband went up on the roof with the claims adjuster and the 2 of them took the branch off the roof. The gap formation between rafter and ridge board appear to be due to improperly cut length of rafter right from beginning.

Tap your own coverage. Upon closer inspection within the attic i noticed that the ridge beam is just slightly splintered near one of the puncture spots close to the apex. For 2 x 4 rafters use a 2 x 6 ridge board. In traditional house framing also called stick framing a basic roof frame consists of opposing pairs of sloping rafters that meet at their top ends at a ridge board or ridge beam.