From strong winds and the scorching sun to heavy rains and massive snowfalls, your roof takes a huge beating throughout the year. Hailstorms and tornadoes can also sweep across the Twin Cities, leaving you with a damaged roof. Leaks can form and cause other water damage to your home’s interior. So, what should you do after a storm damages your roof?
Call Your Insurance Provider
Your first reaction after storm damage is to contact your insurer to start the claim process. Figuring out what your homeowner’s insurance covers or does not cover can be confusing. Typically, homeowner’s insurance will cover your roof for damages outside of your control, such as fire and vandalism. Your policy may also cover damage from extreme weather conditions such as tornadoes. Other damages caused by moderate weather events like wind, hail, and heavy rains may also be covered by some homeowner’s insurance policies.
When filing claims, be sure to thoroughly document all the damages caused to your roof, involving your roofer as necessary for the detailed documentation. Also, keep all receipts for any works done on your home. Most policies will reimburse these expenses when submitted alongside the claim.
Take note your insurance coverage will depend on the age of your roof as well as your maintenance plan and geographical location. The simplest way to know what’s covered is by contacting your insurance agent or provider. They can let you know your deductible is and help you go through your policy to know the specifics of your coverage.
Call Your Roofer to Inspect the Damage
The next step is to call your roofing contractor to come and inspect the damage and give an estimate for repair or replacement. When your roof has extensive damage from a storm, it’s critical to call your contractor ASAP to make emergency storm repairs. This is to prevent further water damage to other components of your home. Some common forms of storm damage to roofs include:
- Tree limbs and other heavy debris falling on your roof
- Holes in the roof
- Missing shingles
- Split seams
- Bruised or dented asphalt shingles
- Leaks in the roof
- Broken or cracked slate shingles
- Granules collecting in downspouts and gutters
- Dents on gutters, vents, or flashing
Additionally, your contractor should inspect for damage to outdoor appliances, siding, bricks, windows, paint, and other exterior surfaces of your home. By working with a local roofing contractor, you can get 24/7 emergency patching, tarping, etc. to help you avoid additional water damage to your home.
Safety Factors to Consider
Before you inspect your home for damages, there are safety measures you need to keep in mind. Watch out for exposed nails and broken glass. If you find a downed powerline, assume it’s still energized and dangerous. Keep away from it and immediately alert the police and your utility company. If you smell gas or detect a leak, evacuate the house. Immediately notify the authorities and your gas company for them to assess the situation. Do not get on your roof. Call your local roofing contractor to come and inspect the damages as they’re properly trained.
About Your Warranties
Every new roof comes with its own warranty, but not all warranties are the same. Some homeowners often learn the hard way most roof warranties only cover the cost of materials and installation or manufacturer defects. In fact, you can get warranties for up to 50 years depending on the roofing material. The cost of shingles and labor may also be covered, and this is often transferrable if you sell your home.
Stay away from Storm Chasers
Instead of falling victim to storm chasers, go to a local trusted roofing contractor. In many cases, natural disasters can be a major magnet for dishonest contractors. The unscrupulous contractors can scam you as you seek emergency roofing repair or replacement. Storm chasers will often make false promises and even insist on full payments before they begin or complete the work. In worst-case scenarios, they may create damages where none existed before. Do your due diligence in choosing a reputable roofing contractor who is licensed and insured to carry out the work.
If your roof ever suffers storm damage LB Solutions can help. Our roofing specialists are highly trained, insured, and licensed to repair or replace roofs in the wider Twin Cities and beyond. Contact us today for exceptional roof replacement services.