Mother Nature can be unpredictable. As part of your preparation and overall protection, it’s important to become knowledgeable of roof insurance claims for storm damage.
Being a homeowner, there are many different things that you need to take care of. Part of it is your ability to protect your roofing’s welfare and health by making sure that you’re covered by roof insurance.
We understand the value of this, hence, we prepared a blog to cover everything that you need to know about roof insurance claims for storm damage.
Without further ado, let’s begin…
Top 3 Signs of Storm Damage
Have you experienced a storm recently? While most roofing systems are designed to withstand even the strongest winds and impacts, storms can still take a toll on them. Below are some of the most common signs of storm damage.
Missing Roof Shingles
Wind gusts have the power to lift up roof shingles especially if they are old and worn out already. You cannot ignore these bald spots as they can expose the roof’s underlayment.
If exposed for too long, the roofing can deteriorate faster and will expedite the spread of damages. Soon enough, you’ll become subject for emergency roof repairs or replacements.
Cracked and Dented Roof Shingles
Cracks and dents on the roof shingles can cause tiny openings. These cuts leave your roof more susceptible to water penetration which can then become the source of leaks and other water damages.
Water damages, no matter how insignificant they seem, are seriously destructive. They can go unnoticed for weeks or months until they become too difficult to manage.
Granules in the Gutters
If you find granules in the gutter area, it’s not a good sign. Strong winds and rains can wash away asphalt granules. The roof then loses its protective shield making it more prone to other damages.
A roof can become subject to replacement if continuous granule shedding persists. Therefore, you always have to seek a professional’s assistance. This will help you know the current status of your roofing, especially after a storm.
What Are Included In Your Roof Insurance Package?
Roof insurance claims for storm damage may vary depending on your location. Some insurance policies are more comprehensive. There are state rulings that may interfere as well. Hence, it’s difficult to point one by one.
To give you an overview, here are the most common inclusions if you’ll file for roof insurance claims for storm damage:
Hail is a tiny piece of iceball that can wreak havoc to your property. It can pierce, scratch, dent, and leave marks behind.
Hailstorm damage is a serious matter. In worst case scenarios, it can cause emergency roof replacements. Good thing, most roof insurance claims for storm damage include this in their coverage.
Water damages come in various forms. Some are obvious while there are water damage concerns that can go unseen for many months. Usually, they start at a small area of your roofing, which spreads fast to different parts of the house.
People usually file roof insurance claims for storm damage if they have been hit by hurricanes that cause flooding.
How can wind create significant damages to your property? It can blow heavy and huge tree branches or debris on to your roofing. As you can imagine, it can also prompt emergency repairs or replacements depending on the level of damage.
Ice can also lead to many different water damages. Hence, it’s a critical inclusion in your roof insurance package. Check with your service provider to know if your roof insurance package includes this type of roofing damage.
How to File Roof Insurance Claims for Storm Damage?
Storms are a great ordeal. If they come, what should you do?
To help prepare you for tough times, here are the steps that you need to follow in order to successfully file for insurance claims for storm damage:
- Communicate with a local roofing company – It’s extremely crucial that a local roofing company finds out about the incident. This will allow them to recommend the necessary actions immediately. In times like this, time is a valuable element that can either help solve your problems or worsen them.
- Report to the insurance service provider – Let your insurance company know that you’re filing for roof insurance claims for storm damage. They will look for evidence and documentation to support your claim. You can discuss with your roofing partner. Most licensed roofing companies extend roof insurance claim assistance.
- Expedite the contract signing – From this point, it’s going to be a collaboration between you and the roofing company, along with the insurance provider. Make sure that there is a contract in place that is duly signed (and understood) by all parties involved before any construction begins.
- Proceed with the construction as planned – Especially in emergency cases, you have to prioritize all necessary roof constructions. This will follow right after the documents have been signed. As a client, all you have to do is to make sure that the roofing company you choose is capable of restoring or installing a long-lasting roof.
It’s so easy to ignore the signs but storm damages are extremely dangerous. Good thing, you are covered by roof insurance claims for storm damage. However, it’s also important that you know how to maximize them.
If you want to completely understand the inclusions of your roof insurance coverage, you have to schedule a one-on-one consultation with the service provider. There are different policy coverages extended to homeowners depending on their location and the state rulings.
If you choose to work with Contemporary Exteriors, Inc., you’ll be guaranteed of a comprehensive roof insurance claims assistance. We guide our clients every step of the way to make sure that they are protected from potential dangers. Our team doesn’t only build, repair, and replace roofs. We are composed of roofing professionals who are trained to handle storm damage cases.
Reach out to us via 847.220.4092 and receive a free estimate.