Any homeowner in Lake in the Hills IL want to answer just one important question: is wind damage to roof covered by insurance?
Insurance policies are efficient and much-needed financial products because they save homeowners from huge fiscal headaches should they need roofing repairs and restoration in the future.
However, these financial products become bad investments when it does not cover crucial aspects and damages, such as roof wind damage.
After reading this post, you will know more about the following:
- What is wind damage?
- Determining if your insurance policy covers it
- How to provide fixes to wind-damaged roofs quickly
- Roofing aspects that help reduce wind damage to your roof
What is Wind Damage?
Lake in the Hills IL has a humid continental climate. Therefore, homeowners in the area will face occasional tornadoes during within the changing seasons. While their occurrence is rare, they are the biggest factors why people state “is wind damage to roof covered by insurance?”
Wind damage happens when the roof material undergoes great duress because of the high air pressure pushing from opposite sides. In turn, the effect is similar to pushing your fist against a stretched-out plastic bag. The roofing material obtains lift, which will loosen its fastenings or adhesives.
In fact, worst-case scenarios show roofs with wind damage similar to the effect a demolition ball can do.
Wind damage is more destructive than any damage snow, hail, or rains can cause. These permanent damages require restoration services and not just comprehensive roof repairs.
Is Wind Damage To Roof Covered by Insurance I Have?
To answer the question “is wind damage to roof covered by insurance?” you will need to do the following steps.
Determine the Type of Property Insurance Policy You Have
Insurance policies cover different parts of your home. Some insurers provide individual insurance for walls, sidings, patios, yards, and almost any part of your home including replacing your valuables.
If you have a roof-exclusive insurance, then your insurer most likely protects you from roof wind damages. Most roof-exclusive policies cover homeowners from rain, hail, snow, wind, and even “acts of God” or highly-unlikely scenarios that can cause massive roofing damages.
Some homeowners ask “how to get a new roof from insurance?”. It’s only possible if your insurer mentions it in a clause, which makes the next step exceptionally important.
Read your Terms and Conditions
However, to answer the question “is wind damage to roof covered by insurance?” precisely, you’ll need to read your policy terms and conditions in full. In fact, this is most essential if you possess a general property insurance policy.
If you’re paying higher premiums than the average repayment for property or roof insurance, there’s a huge chance you’ll read a wind damage benefit in the terms of the policy.
However, in case you do not find any clause for wind damage, we recommend you switch your current insurance policy to one that protects your roof from all kinds of damages. Failure to properly read your terms and conditions is a primary cause of roof insurance claim denied.
Call Your Insurance Agent
In the event you don’t find any wind damage clause in your terms and conditions, it is possible the terms and condition missed this detail. Therefore, you can call your insurance agent to answer the question “is wind damage to roof covered by insurance?” as accurate as possible.
If they verify that the policy does not cover wind damages, you can then ask them to end and reimburse your current insurance. In turn, they will guide you to sign up for the proper insurance policy with the right benefits for your roof. Then, you can use your refunded insurance to pay for this new policy.
Additionally, take note that your new insurance policy might have higher premiums than the previous one because of the following:
- Age of roof and insurance
- Roof materials used
- Your local climate
- Whether or not you used a manufacturer-licensed contractor upon installing the roof
- History of property damages
What Can I Do To Fix My Wind-Damaged Roof Quickly?
The best way to begin with the fix is to inspect your roof comprehensively for any wind or heavy storm damage of any kind. Take note of these so your local contractor can help you as quick as possible.
Unfortunately, there is no do-it-yourself way to fix immense roof wind damages. If you’ve answered “yes” to the question “is wind damage covered by homeowners insurance?”, then you can have the insurer-recommended contractor conduct the fixes in no time. This answers one of the most important insurance roof replacement questions.
In the event you’ve opted for insurance replacement, then you can call your local contractor to provide the fixes for you. Sadly, you will need to shell out for their roof wind damage services, but it is better to protect your property and your family with a sturdy and well-performing roof. However, if your insurance covers your roof repairs and replacement for wind damage, your contractor can help you through the roof insurance claim process.
Additionally, they can help you maximize the roof damage insurance claim wind benefits you can receive.
Roofing Tips to Minimize Roof Wind Damage
If you’ve read this post and have yet to encounter any wind damages in Lake in the Hills IL, then you can reinforce your roof and make it virtually immune against it. Here are some tips to help you.
Weighted roofing materials will fare better than lighter materials in the event the roof encounters strong winds enough to lift them away from the property. For example, wind damage roof shingles suffer is more severe than its weighted and higher-density alternative, architectural shingles.
While you will spend more because of additional roofing weight support such as joists, you’re making an investment for longevity.
The following roofing materials are excellent examples of weighted roofing because of their added density and layers.
- Galvanized or Galvalumed Standing Seam Metal Roofs
- Architectural Shingles
- Single-Ply Membranes
- Modified Bitumen
Properties with low-sloped roofs and numerous windows are likely to have lift underneath its roof in the event of a strong windstorm. Similar to a stretched, flat membrane with a fist pushing underneath the material, the low-slope roof will likely loosen its fastenings and obtain massive damages.
However, high roof slopes do not provide any guarantee that your roof will obtain no damages during a storm. You must also consider the age of your roof material because if it is old enough, it is likely to receive further damage.
If you’re reading this and are just about to construct or replace your existing roof, consider having the entire system re-designed to have high slopes. High slope roofing reduces the likelihood of lift because the angles reduce the wind tension the material faces during windstorms.
In addition, proper roof ventilation may help reduce wind tensions by giving it more passages to pass through.
Wind damage is one of the most destructive forces any home can encounter. Therefore, it is wise to have an answer of “yes” to the question “is wind damage to roof covered by insurance.”
In case you encounter wind damages of any kind, you can rely on trusted roofing contractors for wind damage and storm damage recovery near your area. Make sure to have their number ready in case you need them for any emergency.