Homeowners are being warned that ignoring cracks, leaks, or other roof problems could lead to crippling fines of up to £30,000.

The warning follows analysis of the Housing Act 2004, which allows councils to impose penalties on property owners who fail to address serious hazards. Under Section 249A, local authorities can issue fines of up to £30,000 per offence for neglecting improvement notices or allowing unsafe conditions to persist.

Roofing expert Daniel Cunliffe, of Daniel Roofing and Guttering, said many people underestimate the risks of leaving roof damage untreated.

"Something as simple as a crack or loose tile can become a major structural issue," he said. "If left alone, it doesn't just cost thousands in repairs - councils can also issue fines if the property is considered unsafe. In some cases, that can mean penalties of up to £30,000."

With storms and heavy rainfall more frequent in the autumn, the risk of damage is higher. Loose or cracked tiles can quickly deteriorate, allowing water to seep in and cause damp, mould, or structural instability.

Cunliffe said his company regularly sees cases where a cheap repair turns into a far more expensive problem. "By the time water has seeped through or the roofline has shifted, the repair costs are several times higher - and on top of that, there's the risk of fines," he explained.

Tell-tale signs of roof trouble include sagging rooflines, missing or slipped tiles after storms, cracks in chimney stacks, damp patches in ceilings, and mould in lofts.

Neglected roofs can also cause problems when selling a property. "If a buyer's surveyor finds a leaking or unstable roof, the chances are you'll either lose the sale or be forced to slash the asking price," Cunliffe warned. "Insurers are also taking a tougher stance, and may refuse to pay out if they find damage was neglected rather than accidental."

With wetter, colder months approaching, homeowners are urged to carry out checks now. Cunliffe recommends inspecting roofs at least twice a year and after heavy storms.

"A roof is the first line of defence for any home," he said. "A quick inspection now could prevent major costs and legal trouble later."