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Storm Damage Roof Repair

RoofCrafters: The one-stop solution to all your residential and commercial roofing needs.

It’s always a bad day when you end up with roof storm damage. Roof repair contractors can be difficult to come by during widespread catastrophes where multiple houses are affected.

 

Feeling lost at these times is natural because of the anxiety associated with the process. Don’t worry, we’re here to help you figure it out!

 

Types of Storm Damage

 

Several types of roof storm damage arise depending on the nature of the storm. Regardless of the aspect of nature’s fury your roof has faced, most insurance companies will take care of any damages incurred.

 

Hail

 

Common in areas where temperatures dip low, hail can be a force to be reckoned with. These chunks of ice can wreak havoc on everything around them, including your roof. After a hailstorm, inspect your roof for the following signs of damage:

 

  • Divots and dents on shingles.
  • Broken or cracked shingles.
  • Larger than usual amount of granules in the gutters.
  • Dented metal on the flashing and gutters.

 

Hail can damage the roof’s surface and make an entry-point for pests and moisture, causing problems like mold and infestations.

 

Also Read: What Does Roof Storm Damage Look Like?

Roofing Fact: 86% of roof leaks are caused by improper installation. And the average roofing contractor goes out of business in less than 3 years!

Rain

 

There are few things as soothing as rain, unless it’s a rainstorm that damages your roof. In that case, rain is a nightmare and can lead to extensive property damage by flooding your house in extreme situations.

 

Common signs of damage by rainstorms are:

 

  • Broken, missing, or curled shingles.
  • Discolored or peeled ceiling paint.
  • Water bubbles in the ceiling.
  • Stains or puddles on the roof.
  • Mold

 

A roof leak might be significant enough to require you to collect water in a bucket in extreme cases.

 

You might experience random leaks if your roofer didn’t install it properly, which also can void your insurance coverage.

 

Also Read: What Causes Storm Damage?

 

Always invest in a credible roofer because doing so keeps your long-term costs down.

 

Snow

 

During heavy snowstorms, you might have a pile-up on the roof that adds extra stress to the structure.

 

The added weight can cause the roof to leak or even collapse, which can be a treacherous ordeal.

What Does Roof Storm Damage Look Like

How to Address Storm Damage Roof Repair

 

When you experience roof damage during a storm, you should first turn off the power supply to reduce the risk of electrical fires. Then, if there’s a leak, ensure that you remove any furniture, electronics, and expensive clothing and personal belongings away from the leaking water.

 

Always ensure that you are safe and evacuate the building if necessary. After you have dealt with the crisis, call up a roofer to deal with the problem. At times, you might be unable to get a same-day appointment with your roofer, in which case you should try to minimize your losses.

 

Call Your Insurance Company

 

Granted that you followed the terms of service, your insurance will cover damages that occur during storms. Call your insurance company after you call a roofer to make sure it is in fact storm damage that will qualify for repairs or replacements covered by your insurance carrier and document the damage.

 

Make sure that you do the following things to remain eligible for insurance claims:

 

  • Pick the right roofer: Insurance won’t cover you for improper roof repairs or installations that a budget contractor might do. Roofers charge according to their experience and skills, so picking the right roofer is an investment.
  • Never fix or install roofs yourself: Roofing is a highly specialized field, and you probably do not want to try to tackle roof installation or roof repairs yourself.
  • Maintain your roof: Bi-annual inspections from a great roofer will help you to diagnose and fix problems before they rack up expensive interior repair
  • Conduct visual inspections: While visual inspections won’t tell you the whole story, you can get an idea of whether anything is out of place by looking at your roof.
  • Replace your roof on time: Every roof has a certain lifespan after which it starts developing problems. Most insurance companies offer limited or no coverage for roofs that are over 15-20 years old.

Always call a roofer to inspect the roof after impact damages caused by hail or tree limbs falling  because there might be structural damage that isn’t visible to you. It’s better to be safe than sorry because insurance doesn’t pay for anything they deem to have arisen from negligence.

 

Leaks

 

For leaks, you can conduct a temporary storm damage roof repair. Identify the source of the leak and temporarily cover it up with a tarp that exceeds the leak’s size by at least 4 feet in all directions.

 

This is only a temporary fix till your roofing contractor can schedule the permanent repairs.

 

Leaving the leak open can cause water to enter your house, damaging your belongings, and seep between the roof’s layers and cause widespread damage that might warrant an expensive Roof Replacement.

 

Severe Damage

 

If a storm causes extensive damage to your roof, then you should call your roofer immediately then your insurance company after getting to safety. Severely damaged roofs tend to collapse and can be hazardous to life.

 

The best idea in such a situation would be to live with a friend or rent a place until your roof is fixed or replaced.

Have a Damaged Roof? We Can Help!

 

At RoofCrafters, we have over 28 years of roofing experience and thousands of satisfied customers in South Carolina, Georgia, and Florida.

 

We design our roofs to stand against the challenging weather conditions in this region to keep your home and business safe. Whether you are looking for a new roof or repairs, we are here to help you.

Did you know that 86% of roof leaks are caused by improper installation?

Can I Claim a Leaking Roof on Insurance?

RoofCrafters: The one-stop solution to all your residential and commercial roofing needs.

Can I claim a leaking roof on insurance? This question has popped up in almost every residential and commercial property owner’s mind the minute they discover their leaking roof. Severe storms often produce wind driven rain and hail that can cause a leak in your roof,  but would insurance cover this damage? Let’s find out!

 

Like any other insurance claim, if the damage was caused because of poor maintenance or faulty roof installation or other faulty repairs, your claim will most likely get rejected. However, in most cases where there was severe storms you will most likely be eligible to have the claim approved.

 

Before filing a claim, you can evaluate the condition of your roof and try to conclude the reasons for leaking. This will help you make a solid case with the homeowner insurance provider. In addition to this, you can also hire a roofer who understands insurance policies and the entire claim process. They can help you with the documentation and the filing process from start to finish. Ready to get started?

 

Also Read: Is a Leaking Roof Covered by Insurance?

Roofing Fact: 86% of roof leaks are caused by improper installation. And the average roofing contractor goes out of business in less than 3 years!

Let’s take a look at all the possible steps you can take before filing for a claim, to ensure your case gets approved by your insurance providers.

 

Can I Claim a Leaking Roof on Insurance?

 

The simple answer to this question is yes. However, no matter how much we wish for simple yes or no answers, not everything is black and white when it comes to insurance. Here are a few things you can check to answer the question, “can I claim a leaking roof on insurance?

 

1. Who or What Caused the Damage?

 

If the cause of the leakage was negligence, poor maintenance, or faulty workmanship, you wouldn’t be able to make a claim for a leaking roof. However, if a natural disaster or a fire caused the damage, you can file a claim.

 

It all comes down to the fine print of your insurance policy. So, be sure to read every little detail before signing your insurance policy.

 

Also Read: Does Homeowners Insurance Cover Roof Repair?

2. Are Any Natural Disasters Not Covered by Insurance?

 

Yes, in most cases, the insurance provider will list the cases where you won’t be eligible for a claim. For example, if hail storms are common in your area of residence, the chances are that you will need separate insurance for hail damage.

 

Most insurance policies usually exclude roofing damages caused by a natural disaster that is common in the area. Or make the deductible extremely high for these damages.

What Does Roof Storm Damage Look Like

3. What is the Cost of Roof Repairs or a Roof Replacement?

 

Roof leaks can be caused by several factors, such as missing shingles, cracks, holes, or damaged or missing flashing. Once you notice a leak, we recommend you call a roofing expert who can provide a written quote for the repairs or roof replacement needed.

 

If the cost or the repair is lower than the amount that you have to pay for your deductible, according to your insurance policy, your insurance claim will get rejected. Always call a professional roofer to conduct an onsite inspection and determine the cost of repairs before filing a claim.

4. How Old is Your Roofing System?

 

Insurance policies are more likely to cover a portion of costs if your roof is not that old. However, most insurance policies will not cover the damages for roofs more than 20 years old.

 

What is your roof’s lifespan? Has it outlived its time? You should call a professional roofing contractor to know whether a new roof is required. If the property’s roof is older than its lifespan, your insurance most likely will not cover the damages.

 

If you’re unsure, you can call RoofCrafters to inspect the damages and help you file your insurance claim.

6. Can I Claim a Leaking Roof on Insurance?

 

You can but should you? Filing a claim might sound like a better alternative to paying for an expensive roof repair. However, homeowner insurance claims will mark your property as a high risk. You may even be charged a higher insurance price because of your previous claims.

 

In addition to this, it’s also important to remember when you file a claim, if it does not get approved it still goes against you as a claim. So, make sure the repairs needed exceed your deductible before filing a claim.

 

7. Will The Insurance Cover Roof Leakage?

 

There are different types of insurance coverage options available for commercial and residential property owners. For example, if you have a special form policy, you might get a claim for all roofing damages that are not caused intentionally.

 

In contrast, a broad form policy would exclude scenarios where a roof leak might occur. However, you will still be able to claim insurance for the damage caused to any other piece of property. So, for example, if the interior of your property is damaged due to a leak, you can still claim insurance for that.

 

A basic form policy, you may not have coverage for any interior damage either. So, it’s better to talk to your policy provider and ask them which policy you currently have to get the correct answer.

 

Also Read: Is a Leaking Roof Covered by Insurance?

 

8. How to File an Insurance Claim for a Leaking Roof?

 

Follow all the steps mentioned above; be sure to check the cause of the leak, get an estimate of costs you will have to bear, and read the fine print of your insurance policy. In addition to all of this, it will also prove beneficial if you took photos of the damage or have your roofer take the photos.

 

The photos will help determine the extent of the damage and how much of the roof needs to be repaired or replaced.

Did you know that 86% of roof leaks are caused by improper installation?

Concluding Thoughts

 

We hope we’ve helped answer the question, “can I claim a leaking roof on insurance?” If you’re still unsure about insurance policy and coverage, contact RoofCrafters for help. We have more than 28 years of experience in assisting clients with their insurance claims.

What Does Roof Storm Damage Look Like?

RoofCrafters: The one-stop solution to all your residential and commercial roofing needs.

Roof damage can be a pain in the butt to deal with because of the stress associated with it. It’s even worse when the damage starts because of a storm, often exposing you, your family and your possessions to nature’s fury.

 

What does roof storm damage look like? While the damage itself can take several different forms, we are here to help you identify some of the most common ones.

 

What Does Roof Storm Damage Look Like?

 

Although the damage to your roof is terrible in any case, there are a few different forms that it can take depending on the weather conditions.

 

Hail

 

If you have ever experienced a hail storm, you know how destructive it can be. When hailstones strike your home, hails can cause tremendous amounts of destruction to your siding, windows and roof.

 

Signs of a roof damaged during a hail storm include:

 

  • Divots and dents on shingles.
  • Dings on the metal flashing and gutters.
  • Broken shingles.
  • A large amount of broken granules in the gutters.

 

Hail damage will  lead to water damage and this is why your homeowners insurance covers the roof damage caused by the hail storm..

 

Also Read: What is Considered Storm Damage to a Roof?

Roofing Fact: 86% of roof leaks are caused by improper installation. And the average roofing contractor goes out of business in less than 3 years!

Wind

 

Wind damage can expose your roof to more potential problems. The worst part about wind damage is that it can go entirely unnoticed.

 

These are some indicators of wind damage:

 

  • Curled or broken shingles.
  • Missing shingles.
  • Horizontal lines on the shingles.

Since wind damage might be difficult to detect, we advise you to call a roofer to inspect your roof after the heavy winds subside.

 

Tree Damaged

 

Often time storm damage is a tree falling over onto the home or in most cases way less severe then the whole tree falling is a tree limb breaks off and lands on your roof.

 

Tree limbs can add extra weight to the roof and building’s structure, making it more likely to leak and even collapse in extreme situations.

 

Rain

 

Most of us think of rain damage when someone asks, “What does storm damage look like?

 

Rain damage is extremely common and can cause a lot of property destruction. The most common consequence of rain damage is leaking roofs, which if not taken care of in a timely manner can significantly drive up the overall repair cost.

 

Usually, rainstorms are accompanied by strong winds, which can wreak havoc on the roof.

 

Some indications of rain damage are:

 

  • Broken or missing shingles.
  • Mud-colored puddles on the ceiling.
  • Peeled or discolored paint.
  • Bubbles of water in the ceiling.

Other commonly associated signs include water dripping from the roof for you to gather in a bucket; however, most leaks go unnoticed.

 

In some cases, you might face intermittent leaks during storms. Although this isn’t a sign of storm damage, it does indicate an improperly installed or failing roof.

 

Always choose a great contractor to install your roof because insurance doesn’t cover damages caused by improper roof installations.

 

Also Read: Does Insurance Cover Storm Damage to a Roof?

How Do I Minimize Storm Damage?

 

While you cannot entirely avoid storm damage, there are ways that you can reduce it.

 

1. Visual Inspections

 

If there’s one thing you should always do is keep tabs on your roof’s condition. Since your roof faces natural elements head-on, it experiences more wear that can be problematic if not addressed on time.

 

At times, you might come across damage, which you should immediately call a roofer to inspect.

 

2.      Maintenance

While visual inspections are an important indicator of roof damage, there’s only so much that you can see. An experienced roofer can pick up problems that might not be visible initially but could potentially damage or cause your roof to leak.

You should set up a maintenance schedule and call your roofer at least twice a year to conduct necessary inspections and roof repairs to prevent the most common roof damage and Roof Leaks.

 

Always call your contractor if you notice any signs of roof damage or after a storm to ensure that your home is safe. Remember that a lack of maintenance can result in mold and water damage that can spread throughout your home and really increase the repair cost.

 

3. Never DIY It

 

Roofers charge money based on their skills and experience. Opting for a budget roofer or treating your roof as a DIY project might not be the best solution.

 

Although it may seem straightforward, roofing requires training and field expertise to execute the correct way.. Choosing a great skilled roofer means that your roof will protect you and your family and you will avoid unwanted repair costs.

 

Also Read: Can You Fix Your Own Roof?

 

4. Roof Replacements

 

Every roof has a limited lifespan due to the conditions it faces. On average, most roofs have a life expectancy of 20 years, after which you should be planning to replace them.

 

A well-maintained roof can last longer than its expected age; however, older roofs are more likely to develop problems that can lead to more maintenance costs.

 

Most insurance companies also offer limited or no coverage for roofs older than 20 years, so in case something goes wrong, you have to bear the costs.

Did you know that 86% of roof leaks are caused by improper installation?

Have a Damaged Roof? We Can Help!

 

Whether or not your roof is damaged is something for a roofer to decide. Call RoofCrafters  after a storm or for regular maintenance checks!

 

With thousands of satisfied customers in South Carolina, Georgia, and Florida, and over 28 years of roofing experience, we ensure that our roofs and repairs will last the challenging weather in this region.

 

If you are looking for a roofer to conduct repairs or install a new roof, we are here to keep your business and home safe.

Confused about which roofing material or type suits your needs the best, don’t worry; our team is here to help you make a great decision.

So, what does roof damage look like?  There’s no correct answer to this question, but if there is damage other than what we have discussed here, then our roofers can tell you during an inspection.

How Do I Get My Homeowner’s Insurance to Pay for a New Roof?

RoofCrafters: The one-stop solution to all your residential and commercial roofing needs.

Roof storm damage is one of the most frustrating things to come across. Not only can roof repairs be expensive, but they can lead to other parts of the property  getting damaged. In the case of roof leaks, you can end up with water damage to objects in the house, pest infestation or even worse, mold.

 

If you are covered by insurance, then you’re in  luck. But the question then arises, how do I get my homeowner’s insurance to pay for a new roof?

 

Will Insurance Pay for a New Roof?

 

Investing in the right insurance policy is critical to ensuring that it covers your needs. In addition, some insurance policies offer added protection against some factors that other policies don’t cover.

 

Policies that offer extensive coverage include roofing claims due to damage, including entire roof replacements.

 

Also Read: Does Insurance Cover Storm Damage to a Roof?

 

How Do I Get My Homeowner’s Insurance to Pay for a New Roof?

 

While it isn’t too complex, insurance claims can be a daunting task for many homeowners. So let’s go over some of the steps to help you file an insurance claim for a new roof.

 

1. Maintain a Photo Album

 

You should always maintain a photo album to get the most out of an insurance claim. To do so, take photos of your roof regularly to document its condition and present the record in case you ever need to make an insurance claim.

 

Don’t forget to take photos of the roof from the outside and the ceiling inside. At times, the problem is only apparent on one of the surfaces.

 

2. Keep a Maintenance Record

 

To claim insurance, you may need to prove that you have taken care to maintain your roof. So make entries every time you call a roofer over for annual or  bi-annual maintenance.

 

Also Read: Does Homeowners Insurance Cover Roof Repair?

Roofing Fact: 86% of roof leaks are caused by improper installation. And the average roofing contractor goes out of business in less than 3 years!

3. Document the Damage

 

Regardless of what caused the damage, take photos of it to strengthen your case. After a storm or strong winds, inspect your roof for loose, broken, or missing shingles and check for any impact damage due to flying objects.

 

4. Call Your Professional Roofer

 

The moment that you notice any damage ensure that everyone on the property is safe, move your belongings to a safe location, and evacuate if needed. Then call up your professional roofing contractor to have them come inspect the damages and make a temporary repair to mitigate any further damages. Also you want to make sure that the damage or the repair needed from the damage will exceed your deductible before making a unwarranted claim.

 

While talking to the insurance provider, tell them precisely what happened and schedule an appointment for them to come over for an inspection.

5. Contact Your Insurance Company

 

After your professional roofer confirms that the storm damage will exceed your deductible, then you call your insurance company to start the claim process.

 

We know this is an overwhelming process for most homeowners that’s why we help guide our clients through the process from filing the claim all the way until the work is completed. 

What Types of Damage are Covered?

 

Typically, insurance covers damage caused by:

 

  • Storms or heavy rainfall.
  • Wind damage.
  • Vandalism.
  • Falling objects, hail or tree limbs.
  • Fire.
  • Natural disasters, like tornadoes.

However, depending on your policy and insurance company, the exact coverage may vary.

When am I Not Covered?

 

Even if you have comprehensive coverage, your insurance company doesn’t cover any damage if you void their policy. There are a few situations where the insurance won’t cover you:

 

1. Negligence

 

How do I get my homeowner’s insurance to pay for a new roof if I haven’t conducted maintenance? The short answer is, you may not.

 

Insurance companies cover damages if you have conducted due diligence and kept up with all maintenance. You should conduct frequent visual inspections of your own and call a professional roofer bi-annually to check for any potential failures.

 

A skilled and experienced roofer can easily diagnose problems that you might not be able to find. Additionally, if you suspect any roof damage after a storm or due to falling objects, call your professional roofer immediately.

2. Age

 

Every roof comes with a timer due to its continuous exposure to natural elements. As a result, the most common roofs tend to wear out faster and have an average life of 15- 20 years.

 

While a well-maintained roof can last longer, insurance offers either limited or no coverage for older roofs. Therefore, it is in your best interest to change your roof when it is getting near the expected lifespan to prevent roof leaks, possible cave-ins, and expensive long-term repair costs.

 

3. Improper Installation

 

For anyone who thinks that they saved money by choosing an inexpensive contractor, we have news for you. Insurance companies won’t cover damages caused by improper roof installation or repairs.

 

Roofers generally charge according to their experience and skill level. Opting for a budget or the cheapest roofing contractor or conducting DIY installations or repairs may even void  your insurance. If any property damage occurs due to an improper roof installation, you will likely have to pay out of your pocket. Insurance companies will send out engineers if they believe that the roof was improperly installed to do a thorough investigation.

 

Intermittent leaks are a common sign of improper roof installation caused by faulty installation methods.. Contact a professional roofer and address them to prevent mold growth and other damage to your property.

 

Also Read: Is a Leaking Roof Covered by Insurance?

Did you know that 86% of roof leaks are caused by improper installation?

Have a Damaged Roof? Call RoofCrafters!

 

Roof damage can cause damage to your whole building if you don’t tend to it immediately. Call RoofCrafters to temporarily fix or repair your roof while you wait for your insurance payout. It is our job as homeowners per our policy to mitigate any further damages that may incur. We will help mitigate all further damages while we get your insurance claim settled for you.

 

We have over 28 years of experience and thousands of satisfied customers in South Carolina, Georgia, and Florida. To survive the challenging weather in this region, we design our roofs to withstand both the heavy rains and high winds we often have during these storms.

 

Whether you are looking for a new roof replacement or a small roof leak repair to keep your home and business dry and safe, we are here to help you when you are ready.

Our trained estimators can help you pick out the perfect roof that fits your budget and your needs, and you know the best part? We provide same day onsite inspections, Call Now.

 

“How do I get my homeowner’s insurance to pay for a new roof?” Just remember to stay on top of your maintenance schedule and conduct frequent inspections. Always trust an experienced professional roofer to keep you safe and dry!

Should I Use Insurance to Replace a Roof?

RoofCrafters: The one-stop solution to all your residential and commercial roofing needs.

Whether your roof has lived its total lifespan or faced severe, irreplaceable damage, it’s always best to replace the damaged roofing system with a new one. However, we’re almost always asked the same question by residential and commercial property owners: should I use insurance to replace a roof?

 

The answer to this question is yes; you should always use insurance where and when you can. However, when it comes to roof replacements, you need to know many clauses and conditions before making a final decision.

 

Natural calamities such as rainfall and wind storms are incredibly upsetting. Facing such natural disasters can be stressful, and they might call for unnecessary and unpredictable roof repairs and reinstallation.

 

When it comes to claiming insurance to replace a roof, there are several things that you can do. RoofCrafters has created a guide on assessing damages, filing a claim, and getting the roof replaced. However, if you want to leave this work to professionals, you can schedule an inspection now.

Schedule an inspection with RoofCrafters!

Should I Use Insurance to Replace a Roof?

 

Before answering the question, “should I use insurance to replace a roof?” First, you should evaluate and assess the damages that have been caused. The damage will be highly affected by the type of material you previously used for the roofing system and the type of natural calamities that have occurred recently.

 

 

Let’s look at all the steps you should take to ensure your insurance claim will be supported.

 

1. Assessing the Damage

 

Usually, the assessment of damages is done by a trained professional who can specify each problem and the reasons for their cause. Each storm and natural disaster has different consequences, so it’s better to have a professional who has been trained to look for damage that could be caused by a severe storm take a look at your roof.

If you wish to evaluate the situation yourself, please do so from a distance and don’t attempt to climb the roof. Climbing the roof might cause further damage to an already weak roof structure, and it can also put you in danger.

 

Here are some signs you can look for without climbing the top of the roof:

 

  • Holes, dents, or cracks on the roof shingles
  • Missing shingles or tile pieces
  • Leakage from the roofs
  • Piles of granules or loose shingles
  • Missing adhesive or distorted flashing

 

These signs can easily be spotted from a distance by taking a look at the parameters of the roof and the fallen debris. If you think any structural damages have been caused to the roof, call a professional immediately to evaluate the situation and secure the property.

 

It will also be a good idea  to move out of the house and remove any pets until the professionals  determine the roof is safe for everyone to be inside the property.

2. Collecting Proof

 

It would be best always to consider taking photos of the damage right after a natural disaster has occurred. This will help homeowner insurance providers in justifying your insurance claims. In addition, it would be beneficial if you have any photos of the property from when it was in its original state.

 

This will help determine how much damage was caused and the original state of the roof before the disaster occurred. However, if you forget to take pictures, there’s nothing to worry about. Usually, homeowner insurance providers send an individual to evaluate the property and take photos of the roof. If you need assistance with a thorough investigation of the property and someone to take the appropriate pictures, we can help.

 

RoofCrafters will provide you with all the photographs detailing the damage and provide an estimate to make the repairs or roof replacement, if needed. We can also help answer the question, Should I use insurance to replace a roof?

Browse through our services to find the right one for you!

3. Contacting the Insurance Company

 

Of course, the most important thing to do for an insurance claim is to contact the insurance company carrier. However, by contacting a professional roofer first, you could avoid filing an unnecessary claim with your insurance company which goes against you as filing a claim, yes, even if there is no damage.

 

Since the most common type of roof is an asphalt shingle roof that has a lifespan of 15-20 years, the insurance claim will likely be affected by the time of initial roof installment. Roofs that were fully depreciated before a natural calamity will not be eligible for insurance claims.

 

The insurance company will most likely send an adjuste rto evaluate the damage and justify the claims. However, it’s always best to contact a professional roofer first to make sure it has damages that qualify for an insurance claim..

 

4. Contact a Roofing Professional

 

Contacting the right roofer is extremely important. In addition to providing all the  options for your  roofing solutions, they will also provide you with assistance during the process of filing claims. At RoofCrafters, we have a team of professionals who are trained to help you gather all the necessary documents and file the roof replacement insurance claim.

 

We have satisfied thousands of customers, and our company is fully insured. So, you don’t have to worry about anything when getting your roof replaced. In addition, we will also  give you several options depending on your needs and your budget.

Concluding Thoughts

We hope we have helped you answer the question, “Should I use insurance to replace a roof?” In the end, the decision should only be influenced by the damage that is on the home.. We also recommend always reading the fine print of a document to ensure everything is accounted for. Look for a roofer who is professional, demonstrates integrity and will provide a great experience.

 

At RoofCrafters, we have a team of professional with more than 28 years of experience that would be happy to help you. So, if you’re looking for options, we can show you different material types and go over the different levels of warranty. To see if we are a great fit give us a call.

What is Considered Storm Damage to a Roof?

RoofCrafters: The one-stop solution to all your residential and commercial roofing needs.

Storms can do a number on your roof, and if the roofing system isn’t installed correctly, to begin with, you might face costly consequences. In addition, insurance would only cover the costs if you can prove that the damage was, in fact, caused by a storm or mother nature.  So this brings us to the question, what is considered storm damage to a roof?

 

Well, different types of storms cause various damages to a roofing system. It is also important to mention here that the type of roof installed can greatly affect the damage that a storm can cause. For example, if the roof is made with sturdy materials, such as a metal roof, the damage will be minimal.

 

In contrast, if you live in a state that is highly susceptible to storms and the roof is made with lighter materials, such as 3-tab asphalt shingles, you might need major repairs, or worse, a complete roof installation. So, keep reading to find out what storm damage looks like and what preventative measures you can take to avoid costly mishaps.

 

Also Read: How Do I Get My Homeowner’s Insurance to Pay for a New Roof?

Schedule an inspection with RoofCrafters!

What is Considered Storm Damage to a Roof?

 

As we mentioned earlier, the type of storm and the type of roof can help determine what the damage to a roofing system would look like. First, let’s look at the different types of storms and how they can distort your roofing system.

 

1. Wind Storms

 

Contrary to popular belief, it’s not just strong winds that can cause damage to a roof. If your residential or commercial property’s roof is made with lighter materials, such as asphalt shingles, even moderate winds can cause severe damage.

In addition to forming cracks, your roof may also be missing a few shingles here and there after a strong wind storm. Unfortunately, minor damage is comparatively harder to spot after wind storms. So, you may need to look closely at the shingles for signs of creased and torn shingles.

 

If you see granules of shingles, consider calling a professional roofer for an inspection. After a significant wind storm, you may see cracks and holes in your roof or even a water leakage. Again, this is something that we here at RoofCrafters can help you make temporary repairs to keep from getting further damages until your insurance company agrees to pay for the repairs.

If your property has a metal or slate roof, however, the chances of a wind storm causing any damage to your roof are extremely low.

2. Heavy Rains and Thunderstorms

 

Heavy rainfall can prove highly hazardous for roofing systems. They can make the entire structure fail and, in worse cases, collapse. In addition, standing water can create holes in your roof and weaken the adhesive between shingles.

 

If your property’s roof doesn’t have a proper drainage system, then rain storms can cause irreplaceable damage to the deck of the roof. So, if you reside in a city that experiences heavy rainfall, you should install a roofing system accordingly.

In addition to this, it is advisable to use asphalt shingles, metal, or spanish tile roofing for rainy climate regions. If you want us to evaluate your roofing system and provide solutions according to the weather conditions, you can call us or just click schedule inspection now below.

 

3. Hailstorms

 

Hailstorms are usually shorter than wind and rainstorms; however, the damage caused by them is similar. Hailstorms are hard to miss but if you want to find out whether they caused any damage, look for these signs:

 

  • Bruises or dents on shingles
  • Round-shaped marks on the roof
  • Missing granules
  • Piles of granules at the bottom of the roof

 

If you see any visible signs of hailstorm damage, contact a professional who can further evaluate the condition of the roof. These experts will provide you with possible solutions depending on the damages, insurance coverage, and budget.

4. Ice Storms

 

If you live in a region that experiences frequent ice storms, you may need a professional to add a protective layer on the roof. Ice storms can cause structural damage to a roofing system. In addition, if you don’t get the damage repaired on time, the water from ice storms can find its way into your home.

 

Leakage and cracks are some of the common signs of ice storm damage. However, if you’ve built a pitched roof, that will allow the snow and water to fall off easily, there’s nothing to worry about. Usually, when an expert is installing a roof, the weather conditions are taken into consideration before choosing the style and material of the roof.

 

Things to Take Care of After Storm Damage

 

Storm damage should be taken care of as soon as possible. Trained professionals have the experience and expertise to provide solutions for any type of storm damage. These experts can also help you answer the question, “what is considered storm damage to a roof?

 

In addition to this, you should also get homeowners insurance providers involved in the process. The insurance providers will delegate the task of investigating and evaluating the damage to an individual. After evaluation, they will provide you with the required compensation for the damage caused.

 

It’s always best to hire a professional roofer to inspect the roof damage first. They will help you estimate the cost of repairs or the replacement cost for a new roof. These individuals can also help in making sure all items needed to make the repairs are covered by your insurance claim.

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Concluding Thoughts

 

We hope we’ve helped you in answering the question, “what is considered storm damage to a roof?” At RoofCrafters we have roofing experts with more than 28 years of experience in roof installation and roof repairs. Whether you have a residential or a commercial property, we can help you with anything related to your roofing systems. Contact us now to schedule an inspection if you believe you have storm damage to your roofing system.

Does Insurance Cover Storm Damage to a Roof?

RoofCrafters: The one-stop solution to all your residential and commercial roofing needs.

We understand that roof storm damage is one of the most annoying and frustrating things to have to deal with. While roof repairs and roof maintenance might not be the first things you normally think about, a storm damaged roof is something we must address immediately.

 

The burning question is, “Does insurance cover storm damage to a roof?” The short and direct answer is yes; however, there’s a big asterisk with it. We have seen in certain situations where your insurance company won’t pay for the damages.

 

When Does Insurance Cover Storm Damage to a Roof?

 

Insurance covers roof storm damage in most cases. Some cases covered by insurance include damage due to:

 

  • Fires
  • Acts of nature.
  • Storms, hurricanes or tornadoes.
  • Vandalism
  • Falling objects, tree limbs or hail.
  • Wind driven rain.
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When Does Insurance Not Pay for Damages?

 

Insurance companies will deny paying for damages in certain conditions. Your insurance provider typically mentions the terms and conditions, and these vary between policies. While most policies cover storm damage to a roof, you have to meet certain requirements to be eligible to have an insurance claim get approved.

 

Stay on Top with Repairs

 

Roof repairs are essential for prolonging your roof’s life, and to stay eligible for insurance claims. You should hire a professional roofer for roof maintenance at least twice a year to prevent the most common potential problems.

You can visually inspect your roof for any signs of damage and promptly call up your professional roofer to address anything that you may see out of place.

 

These signs include:

  • Leaks
  • Discoloration or peeling of paint.
  • Broken or curled shingles.
  • Mold or pest infestations.
  • Tree limbs on your roof.

Remember that insurance doesn’t cover any damages caused due to lack of maintanace including any damage to life, property, or personal possessions.

You should always follow a maintenance schedule and keep track of the work done to make sure your home is ready to weather the next storms. And then, if you need to make an insurance claim, they will not be able to say you have neglected to do routine maintenance and use that as the reason why you have the damages and deny the claim.

 

Roof Replacements

 

It may seem redundant to replace your roof when it is as old as the rest of your house. However, roofs face more extreme weather conditions and wear out faster and the older your roof gets, the weaker and less resistance to the winds and storm conditions it faces.

 

Most roofs require you to replace them every 15-20 years; however, premium materials like metal roofing can last up to 75 years with a proper maintenance schedule. So even if your roof seems to be in good condition after its expected lifespan, we recommend you start planning to have it replaced to avoid bigger problems.

 

Old roofs have a higher tendency to leak or collapse, making them a liability for your insurance company. It is not the roof that your insurance company is concerned with, but all the contents inside your home that they are liable for replacing should you have storm damage to your roof. For this reason, most insurance policies either offer limited or no coverage for roofs that are around 15 to 20 years old.

 

Besides, older roofs often require frequent repairs and we know roof leaks can be frustrating and a good reason to switch the old roof to a new one that will protect your home.

Installation

 

Never treat your roof as a DIY project or source it out to a cheap roofing contractor. Roofing is a highly specialized field, and roofers charge according to their skillset and experience level.

 

Improperly installed roofs tend to leak or even collapse in extreme cases. The most common sign of an improper roof installation is intermittent or random roof leaks. These roofs are not sealed properly and leak under certain weather conditions such as horizontal rain.

 

Even if your policy normally covers the type of damage your roof has, they won’t approve your claim should you void any of these conditions.

 

Insurance Coverage for Storms

 

To what extent does insurance cover storm damage to a roof? Most policies offer you coverage against storm damage. Here are some types of damage that most insurance companies cover:

 

Water

 

Any damage caused to your roof due to water getting in  and causing inside water damage is covered by your insurance, given that your roof isn’t too old and you have conducted frequent maintenance.

 

Tree Damage

 

A fallen tree that hits your home  or even a small tree limb that falls on your roof and causes either roof damage or water damage or typically we see both as a result of tree damage. The damages will be covered by your insurance company.

Fires

 

If lightning strikes your building and causes your roof to catch fire during the storm, you are eligible for a homeowners insurance claim.

 

Wind

 

Strong winds can cause massive damage to your roof by blowing shingles off and curling them, both of which damage your roof’s waterproofing. You can claim insurance for any damage caused by strong winds during these heavy storms.

 

Hail

 

Impact damage during hailstorms can leave divots and dents on your roof, and break shingles. These damages are covered by your insurance company.

 

How to Claim Insurance

 

Anyone lucky enough to never file an insurance claim can find it to be a daunting task. Here is how you can claim insurance for roof damage:

 

1. Maintain a Photo Album

 

We cannot stress how important it is for you to keep a photo album of your roof for insurance claims. This record helps your insurance company track your roof’s condition over a period of time, making it easier to diagnose what caused the damage.

 

Make sure that you take photos of your ceiling inside as well.

 

2. Call Your Professional Roofer

 

Immediately inform your professional roofing company of the damage as soon as it occurs so that they can come out inspect the damages to make sure that the damages will exceed your deductible before you file a claim. This is important as we do not want you to file a claim that is not needed as it will go against you when its time for renewal, yes even if the claim is denied. Also, your professional roofer can mitigate any further damages by installing a tarp or making a temporary repair until the work can be scheduled. Make sense?

 

3. Call Your Insurance Company

 

Call your insurance carrier and inform them of the damages, so that they can start the claim process. They will then  schedule an adjuster to come out to do an onsite inspection.

 

4. Call a Roofer to meet the adjuster

 

After the insurance company has assigned a field adjuster to come out and document the damages, call your professional roofer to come out with the adjuster to review the damages together to go over the scope of work on your behalf. By doing so you will be assured that nothing is missed or left out of the claim.

 

Have a Damaged Roof? We Have Your Back!

 

While you wait for your insurance company to process the claim, it is your responsibility to mitigate and  prevent further damage to your home.

 

With 28 years of experience and thousands of satisfied customers in South Carolina, Georgia, and Florida, we provide results. So whether you need to file an insurance claim or you are ready for a new roof or just need a small leak repaired. we can help you through the entire process.

Browse through our services to find the right one for you!

We know how stressful roof damage can be, so we provide a start to finish claim process solution for you. If you need a roof replacement but cannot decide which material and type is the best for you, we are here to help. Give us a call to go over all the option available.

 

Does insurance cover storm damage to a roof? It definitely does if you choose the right roofer for installing and repairing your roof.

What Causes Storm Damage?

RoofCrafters: The one-stop solution to all your residential and commercial roofing needs.

Storms can be a nuisance to deal with, whether it is gusts of wind, hail, snow, or rain, storm damage can leave your perfect home in bad shape.

 

So, what causes storm damage? Surely a perfectly maintained roof won’t leak, right? Well, we have some news for you. Let’s go over some of the most common reasons for roof damage.

 

What Causes Roof Damage?

 

Understanding that one or several factors can cause roof damage is essential. At times, even a well-maintained roof can leak under extreme weather conditions. Although the extent of the damage is different in each case, nature’s fury can take out almost anything depending on the storm’s intensity.

 

Maintenance

 

Roofs require frequent maintenance, and you should hire a roofer to conduct bi-annual inspections.

 

If you see signs of roof damage, call up RoofCrafters to inspect the damage immediately. Delaying repairs can lead to a much higher repair costs and cause more damage to your roof and the integrity of your home.

 

Signs that are indicative of roof damage are:

 

  • Loose or missing shingles.
  • Impact damage from falling objects.
  • Roof leaks.
  • Discoloration on the ceiling.
  • Peeling paint or bubbles in the paint.
  • Pest infestations.
Schedule an inspection with RoofCrafters!

DIY Projects or Inexpensive Contractors

Have you ever seen a contractor work on something and decided that you can do a better job yourself and save money while doing it? We don’t recommend it. Roofing is a highly specialized field that requires training and experience to master and stay safe while performing the work.

 

While hiring a cheap contractor or doing a DIY repair or roof installation might seem like a great idea to save some money, the expensive repair costs you may incur to fix the poorly installed roof or repair will significantly tip the balance the other way.

Plus, insurance doesn’t cover improper installation.

Did You Know that Improper Installation Causes Leaks?

 

Choosing the wrong roofer is setting yourself up for future bigger problems. For example, if your contractor doesn’t install your roof correctly, rainwater can seep in during horizontal rain or heavy storms and cause intermittent leaks that often won’t show up until serious damage has already happened.

 

Impacts

 

Any impact can damage your roof. For example, if a tree branch falls on the roof, you should call a contractor to inspect it because not all damage is visible on the surface level.

Besides regular falling objects, impact during hail storms can tremendously damage roofs. Therefore, during and after a hailstorm, monitor that no water is seeping in due to the damage caused.

 

Signs that your roof has hail damage include divots in the shingles, indentations in the metal flashing, and a large amount of broken granules in the gutters.

 

Weight Damage

 

People living in snowy areas have to worry about damages caused by snow. After a heavy storm, snow might accumulate on your roof, especially if you have a flat roof. This added weight can cause roof storm damage that can require roof repairs or a Roof replacement.

 

Leaks

 

You need to keep your roof in good condition. A common cause of roof damage during storms is leaks. Whether your roof is leaking dramatically enough to warrant you collecting the water in a bucket or a slow leak that seeps through your ceiling, it is detrimental to your home’s integrity.

Leaks result from the following:

 

  • Broken chimney cover or flashing.
  • Missing or loose shingles.
  • Pooled water.
  • Impact damage.
  • Ineffective gutters.
  • Broken vents.

 

You should always keep your roof clean and prevent any debris from gathering on it that might prevent water from draining into the gutters. You should also address the gutters to ensure that they are clear to take water away from the roof.

 

If water cannot drain, it seeps into the roof and causes leaks.

 

Age

 

Your roof’s age is a huge factor in determining what causes storm damage. Roofs face all sorts of harsh weather conditions that cause them to wear out. Most roofs last around 20 years, after which they start developing problems.

 

Insurance companies offer limited or no coverage on roofs older than 15 years. Unless your roof is made up of a sturdy material like metal, you can expect high repair costs and roof damage around the 20-year mark.

 

Just like most things in life, proper maintenance can make your roof last longer than its lifespan expectancy, it will still have a greater probability of developing problems the older it gets.

 

During storms, older roofs are more likely to develop leaks or even collapse in extreme cases, so ensure that you replace your roof on time.

Need an Inspection? We’re Here to Help!

 

With over 28 years of experience in the roofing industry, RoofCrafters is skilled in dealing with any roofing problem. We have thousands of satisfied customers in South Carolina, Georgia, and Florida across all services we offer.

 

Regardless of whether you need a new roof or a small roof repair, RoofCrafters has your back to keep your home and business safe.

 

If you need help deciding the right roof for you, our expert estimators are just a call away to help you.

What causes storm damage? To summarize, roof damage during storms can result from existing damage, a lack of maintenance, age, or damage caused by heavy storms. Keep yourself and your home safe by choosing RoofCrafters.