Tree Broke Ridge Board On Roof

Even brick and stone can be damaged by the impact.

Tree broke ridge board on roof.

A fallen tree can cause broken windows as well as a hole in your roof or siding. It wasn t a very tall pitched roof so it was easy to get on and off. The rain is pouring. For 2 x 4 rafters use a 2 x 6 ridge board.

The wind is howling. Click on photo for full size. But when your neighbor s tree falls on your roof you ll care and want to know whose homeowners insurance will pay. 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.

I can see 1 4 to 1 2 inch gap between the ridge board and rafters. 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. Does homeowners insurance cover damage from falling tree limbs.

The limbs of the tree punctured the roof in at least two spots so we re already looking at repairs. On some of rafters the bent nails are also visible through the gap. You could also potentially have damaged gas lines. I think that was unusual i can t imagine a claims adjuster doing that normally.

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. Oh and my husband went up on the roof with the claims adjuster and the 2 of them took the branch off the roof. And suddenly you hear a huge crash and a roar that sounds like the roof gave way. Make a claim through your insurer.

Tap your own coverage. The roof was nearly 18 years old anyway and needed to be replaced. 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. For 2 x 6 rafters use a 2 x 8 ridge board and so on.