Storm Damage Roof Repair
There are several signs of storm damage to a roof. First, damage to shingles and metal flashing can be evident from the ground. There may also be holes or broken shingles in the valleys or around chimneys. Exhaust pipes and vents can be damaged, too. If the roof is compromised, water can leak into the attic.
Storm Damage Restoration
Storm damage to your roof can be a major problem. In addition to creating water damage, the weight of the snow also places a strain on your roof, which can lead to cracks and sagging. Moreover, the melting snow can cause ice to form on the edges of your roof, which can further damage your home.
When your roof is damaged by a storm, contact your home insurance company and file a claim. Your insurance provider will likely reimburse you for some of the expenses related to storm damage. However, the insurance provider will have a limit on how much they will reimburse you. Make sure to document all damage and keep receipts.
During a storm, debris can fall to your roof, including tree limbs and small branches. If the debris hits the roof, it may dent or impact the shingles, leaving them susceptible to water damage. Lighter branches, on the other hand, may not be as problematic. To assess the damage and determine whether you should replace the roof or fix the existing one, you should follow a storm damage checklist. If you are not comfortable climbing on the roof, you can call in a professional.
Besides the roof, other areas of your home should also be checked for signs of damage. Damaged gutters, shingles, and siding can cause water to pool, compromising the integrity of the building. The interior of your home may show signs of water damage as well, including mold and rust. You should also inspect your flooring and attic for any signs of water damage.
Storm Damage Insurance
When storm causes damage to your roof, you’ll want to seek out insurance coverage for roof repair. If you’re not insured, you’ll need to pay out of pocket for the costs of the repairs. If you have homeowners insurance, you may be able to get a portion of the costs covered by your insurance. But keep in mind that deductibles vary by insurer and type of event. Typically, you’ll be responsible for paying two to five percent out of pocket before your insurance kicks in.
Most homeowners’ insurance policies cover damage caused by hail and wind. In some states, however, these weather events may have separate deductibles. For example, in Oklahoma and Kansas, wind damage is a separate deductible. Homeowners with wind deductibles must pay that deductible in addition to their regular deductible. However, there are ways to lower the amount of the wind deductible.
Storm Damage Insurance for roof repair is available in several forms. A homeowner’s insurance policy will cover roof damage that is caused by a storm. Some policies even cover partial or whole roof replacement, if necessary. But storm damage can make a roof unusable or prone to future storms. But regardless of the type of policy, it’s essential to understand the coverage that you have. Once you’ve found the right policy, your next step is to call your insurance company. A representative will contact you to determine the extent of the damages. The more information you provide, the faster your claim will be processed.
If your insurance policy does cover roof damage, make sure to discuss this with your agent before making a claim. You’ll need to provide proof of storm damage and the damage it caused. If you’ve neglected your roof and gutters, your insurance company may decide to lower the amount that you’re reimbursed. You may also find that the insurer won’t pay for roof repair if the damage was caused by improper gutter installation or cleaning.