Strong winds, enormous snowfalls, and heavy rains all give our roof a thorough beating every year. Storms can wreak havoc any time of the year and can cause massive damage to your roof. If your roof is damaged, it exposes your home’s interior to water damage or structural damage. What do you need to do if a storm damages your roof?
Know What Your Insurance Covers
Homeowners insurance plays a critical role in restoring your roof after storm damage. Most policies cover damages caused by wind and hail, but things like earthquakes and floods aren’t. You’ll need to purchase special coverage for damages caused by earth movements, floods, or earthquakes. Speak with your insurance agent to understand what your insurance policy covers and what it doesn’t.
Have A Working Relationship With Your Local Contractor
As a homeowner in the Twin Cities (MN), it’s important to always keep contact with a trusted local roofing contractor so you can get timely restoration after storm damage. When storms cause leaks, you can easily fall victim to storm chasers who could do shoddy work and create even more trouble to your roof. A reputable local contractor will offer the roof repair and replacement services you need for both residential and commercial buildings. Always notify your contractor of any damages caused by storms and have them inspect your roof and recommend the best course of action. If the storm damage requires emergency restoration, your local contractor will be able to offer faster response times and protect your home from water damage.
Have A Regular Maintenance Plan
As a general rule, you should have your roof inspected at least once every year, especially if the roof is older than five years or if a heavy storm recently hit your area. During the inspection, your contractor will look for areas of damage. Missing or damaged shingles, damaged flashing, or broken gutter systems should also be promptly repaired or replaced to ensure that your roof will stand up to future storms.
Common Signs Of Storm Damage
When a storm damages your roof, you may notice the following signs:
Leaks are the most common sign of storm damage and should be remediated as soon as possible. Although storm damage is often covered by homeowner’s insurance, leaks can cause extensive water damage your insurance policy may fail to cover depending on the cause.
2- Wet Ceilings
If you notice discolorations on your ceiling after a storm, immediately have your contractor check it out. It is possible that debris flying from the storm punctured a hole in your roof or the storm could have damaged shingles or flushing around vents or skylights.
3- Dented Flashing
Hail can dent the flashing and cause cracks to form, which allow rainwater to infiltrate your home. Experienced contractors can identify these damages and recommend the best course of action.
4- Broken Glass/Power Lines
A violent storm can down power lines and pose a variety of hazards. Always consider downed power lines energized and dangerous and immediately call emergency services.
Additionally, storms can shatter glass windows, doors, or skylights, littering the area with glass debris. If you’re attempting to clean up the glass shards, take proper safety precautions and be careful.
5- Debris Around Your Home
During high winds, tree branches and other debris can be thrown on your roof, causing damage to your shingles or tiles. A simple visual inspection around your house should help you determine if there is any noticeable damage to the roof. If you’re not sure, call your local contractor to inspect the roof for any hidden damages.
6- Dented AC Units
Externally-mounted heating and cooling systems can also suffer dents during storms. Flying debris can fall on your AC unit and other roofing installations such as chimneys and skylights, causing costly damages.
7- Missing shingles
Last but not least, shingle roofs can be ravaged by raging storms, leaving your roof deck exposed to water damage. If you notice any missing shingles on your roof, it’s a sign the storm damage has blown them off and you should contact your contractor immediately for repairs.
What To Do When A Storm Damages Your Roof
The first thing to do after storm damage is to contact your local, trusted roofing contractor to come and do an inspection. They’ll determine if your roof needs repairs or just a replacement. The next person to contact is your insurance company or agent to notify them of the damage. If the damage is covered under your homeowner’s insurance, you should begin the claim process as soon as possible with the help of your contractor. To avoid claim denials, always ensure your contractor is onsite when the insurance adjuster arrives to inspect the damage.
Work with your roofing contractor to prepare a detailed scope of the damages on your roof and how much it will cost to repair or replace. More importantly, be wary of storm chasers who often take advantage of the desperate situation to swindle homeowners of their hard-earned money. These fraudsters can make false promises and demand full payments before the work even begins or is completed.
Did a storm leave you with a leaking roof? LB Solutions, LLC, in the Twin Cities (MN) has you covered. We have a team of experts who take the time to thoroughly inspect your roof and work with your budget and preference. We bring trust and peace of mind to every roofing project in the Twin Cities. Contact us today for a free estimate or to learn more about our services!