Addressing Your Storm Damaged Roof

As the name implies, roof storm damage occurs due to a storm. The following types of damage fall under this category:

• Wind damage.
• Water damage from the heavy rain
• Hail damage.
• Tree damage

The cost is dependent on the extent of the damage, you might be looking at either minor roof repairs or a complete roof replacement. The good news is that roof storm damage is covered by homeowner’s insurance.

The first thing to do is ensure that everyone in the building or home is safe and then remove your belongings from under the damaged area. Next, call up your preferred roofing company and have them come out to do an onsite inspection and take photos of the damages.

If the damages are severe and will definitely exceed your deductible then call your homeowners insurance carrier and report the damage so they can start the claims process.

Learn the entire process in our article, "How do I deal with Storm Damage?"

On the roof, evidence of possible trouble include:

• Missing shingles that expose the underlayment or an old roof
• Curled shingles that leave your roof vulnerable to wind-driven rain
• Pockmarks or dents causes by hail
• Damage to guttering or roof vents

On the ground, signs of possible trouble include:

• Broken shingles in your yard
• Pieces of flashing, siding or other construction materials in your yard
• Large fallen branches that might have hit your roof
• Damage to your vehicles, yard or outdoor furnishing
• Damage to a neighbor’s roof

Inside your home, signs of possible trouble include:

• Visible sunlight appearing through the roof in the attic
• Leaks in the attic
• Water marks on ceilings or wall

Your property is your responsibility. So, even if a neighbor's tree damages your property during a storm, you are the one responsible. Your home insurance policy will likely cover your damages.