Truss uplifting can cause big damage to your house, all it takes is just one thunder to destroy it. If you notice gaps and cracks in the joint of walls and roof trusses. So you don’t blame the carpenter, know the reason first. Sometimes cold temperatures effects the wooden truss and they expand and change lift upward. It can result in a truss uplift and roof damage.

However, are you curious to know if truss uplifting is covered by insurance? So your home insurance company will cover and replace the uplifting truss if your ceiling is damaged by an accident event or weather. Therefore, an insurance company cover which damages is all depends on your home insurance policies and cost $.

So read more to explore all the information insurance of truss uplifting.

What is Truss Uplift?

When a newly structured house’s corner shows some cracks and gaps in winter, it is normally caused by a truss uplift. When the bottom chord of the truss is showing all the moisture and temperature expected for the roof truss then Truss uplift occurs. Truss uplifting is most common in the winter when upper cord temperatures are colder than the inner house temperature.

The bottom horizontal chords exposed warmer moisture and temperatures from the house, while the diagonal chords exposed day and cold air from the upper floor. All these temperatures affection can cause an uplift of trusses from the top plates.

What is the Reason Truss Uplift from Drywall and Ceiling Corner?

Though, the bottom chords are covered up with heavy installation (more than 12 inches). In the winter season bottom chord dries and shrink due to warm temperature from the below ceiling. The dryness of the top chord expand trusses and caused them to uplift from the center.

When a force pushes the truss upwards from the center and makes a space between walls and the roof because bottom trusses need to grow with the length but it is not possible.

The damage to the roof depends on many factors, including roof material, fixing, structure, chord gaps, and more. So you don’t assume first how much damage occurs due to truss uplifting. Sometimes truss uplift damage the walls and cracks open in the winter and close in the summer season.

Is Truss Uplift Covered by Insurance?

Truss uplift is considered a seasonal effect that hardly affects your home. So truss uplifting not repair through insurance but if it is damaged from major events including, rain and fire. Therefore, various companies do not offer any repair services and payment for the drywall damages and uplifting trusses.

However, some insurance policies may provide coverage to your trusses uplifting according to some specific reasons, including ceiling fall down and sagging. Some insurance policies also offer coverage of truss uplifting due to bother infestation and frame growth. So if you want to find is truss uplift covered by insurance you should need to contact your home insurance company or insurance agents for knowing the estimated cost of truss uplift repair.

Types of Truss Uplifting Usually Covered by Insurance

• Thunder Storm
• Fire & Smoke
• Weight of Snow
• Falling Truss due to heavyweight
• Vandalism

Types of Truss Uplifting Not Covered by Insurance

• Over aging
• Don’t have any proof of damage
• Earthquakes
• Molding
• Low-Quality Material
• Specific terms and conditions of Insurance policy

How to Fill a Truss Uplift Insurance Claim?

Most homeowner’s insurance companies allow claiming for a truss uplifting through a phone call, agent, and their official mobile application. So you need to prepare some essential information for truss uplifting claims in the insurance company.

• Event and date of the damage.
• Age of trusses, or building.
• An estimate of damage.
• Temporary repairing Bills for evidence.
• Images and videos of the damage.

If you have repaired your roof properly and have any previous roof assessment report, it can be more helpful with these above documents.

How to Protect Your House from Truss Uplifting and Other Structural Damages?

First of all, make sure when building the structure of a new house your carpenter secures the form of the Trusses by using Trusses clips. These clips are attached to the top Chords, which keeps entire walls partition secure and stable with proper chord spacing.

Secondly, ask your drywall installer, to install drywalls properly which helps to avoid cracks and gaps. The best method to avoid the truss uplift install the drywalls with a floating interior angle. It helps to prevent form corner cracking and gaps as well as ceiling intersections when the truss lifts upwards.

Another way to avoid the gaps in corners made floating corners with calks which helps to adjust dry walls and stop trusses’ movements. Moreover, you can fill the gaps in the ceiling and corners with ceiling calks and adhesive paper patches. However, these solutions might be not permanent but they save your house from rain leakages.

What to Do If You’re Get Truss Uplift?

You don’t need to pay a heavy cost for again repairing the trusses from a carpenter or any other contractor. Fixing the trusses is simpler than you think. So here we have provided some solutions for fixing the trusses problem in just 3 Methods:

Remove the Trusses from the Top walls interior:

Un-nailed the top interior from trusses.

Remove all the screws from the 16 inches of corners.

Remove 8 inches screws between the ceiling and walls.

Compound and repaint the wall ceiling and holes in the dry walls.

Install and Maintain Crown Molding:

Nail and trim just the ceiling and install crown molding around the second-floor corner.

By applying this process you will cover all the cracks and make a good appearance of the ceiling.

Make sure to paint the dry walls in the winter season, from applying this trick you don’t need to repaint and trim the trusses in coming winters and it also helps to prevent trusses from uplifting.

Change the Insulated Method:

Sometimes all care tips are good but the installation methods are wrong. So change the method of installation as well as use the foam spray at the bottom of the roof sheet. It helps to keep warm the top chords and prevent from trusses uplifting.

Frequently Asked Questions:

Q. Is Truss Uplift Covered by Insurance?

Truss uplift is considered a seasonal effect that does not affect your home. So truss uplifting not repair through insurance but if it is damaged from major events including, rain and fire. Therefore, various companies do not offer any repair services and payment for the drywall damages and uplifting trusses.

Q. Is a truss uplift a major structural defect?

No! Truss uplifting is most common in the winter when upper cord temperatures are colder than the inner house temperature. When a newly structured house’s corner shows some cracks and gaps in winter, it is normally caused by a truss uplift. When the bottom chord of the truss is showing all the moisture and temperature expected for the roof truss then the Truss uplift occurs.

Q. Does truss uplift ever stop?

It is not possible to stop truss uplifting, but you can stop drywall cracking by using the best approaches to stop truss uplifting.

Q. How do you deal with a truss uplift?

You need to work on truss uplift fixing in winter it will prevent you from truss uplift in the coming winter. So for fixing the problem disconnect the nails of the top walls and roof and install truss clips on the joint.

Q. How do you fix a crack in a truss uplift?

Nail and trim just the ceiling and install crown molding around the second-floor corner. By applying this process you will cover all the cracks and make a good appearance of the ceiling.

Verdict

Truss Uplift is a major problem that can cause house damage, especially in the winter season. Trusses uplift when the top trusses shrink and dry due to temperature changes and over-moisturizing texture.

So when you notice any cracks and gaps between walls and ceiling, it is an alarming situation for you. So you need to contact immediately to your insurance policies or either make any evidence proof such as a video or image, for showing the insurance agent in the future.

However, people often search is truss uplift covered by insurance. Unfortunately, most insurance companies consider trusses uplifting to be a natural change and it is not affecting your home. Therefore, some home insurance companies provide coverage for specific causes.

So the best way is that fix truss and uplift yourself or hire a professional and experienced carpenter, who install dry walls and ventilation system properly. This process will be costly but it will save your home from every winter crack and other major damages.