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Property & Casualty Insurance/ice damming on flat foof commercial building


ice damming caused breaks in the rubber roof and leaks to the room below.  I assume the roof repairs are not covered, but are the carpet/furniture in the room below covered?


As an independent adjuster, I would want to first review your policy as well as any endorsements attached to your policy.  With most of the policies (over 40 insurance companies) I've seen since being an independent adjuster, unless there's a storm created opening, there would not be coverage for the item that failed (in this case the roof), however subsequent damage would be covered.  When a "storm created opening" exists, insurance companies will normally pay for the roof as well as subsequent damage.  That can include a wind related event where a branch falls on the roof causing a hole, or a hurricane that blows off shingles, a tornado blows debris into your home, etc..  

If you have any concerns about your policy & endorsements, you may want to reach out to your insurance agent and ask for a copy of your policy.  I hope this information has been helpful.


Dominick Belinchak
Texas Independent Insurance Adjuster

Property & Casualty Insurance

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Dominick Belinchak, Insurance Adjuster


Property & Casualty Insurance Claims -- Residential & Commercial. I've worked for approximately 20+ insurance companies and have adjusted just under 1,000 claims, including residential & commercial losses that involve business interruption, fire, smoke, pipe break, hurricane, sinkhole, flood, water damage, mold, theft, vandalism, rental properties, appliance water leaks and others. If you are hitting a "brick wall" with your insurance company or insurance adjuster, or have a coverage question, please feel to ask. I'm here to help you!


Texas Independent Insurance Adjuster 2004-current Florida Insurance Adjuster 2009-2014

BS Business Administration USF (Tampa) -- 1992

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