The roof is one of the most vulnerable—and expensive—parts of any property. Damage may be caused by storms, impact, age, or improper design. Even small breaches in the roofing system can allow water to seep into insulation, ceilings, and wall cavities, eventually leading to mold or structural rot. Roof damage can also affect ventilation, increase energy costs, and create long-term risks if not repaired properly and promptly. Many insurance companies attempt to downplay roof claims by attributing them to wear-and-tear.