No matter where you live, you are bound to face a severe storm. If you are unlucky, you could experience potential roof damage from a tornado, hurricane, or another disaster. When you encounter damage to your roof, what should you do? This article explains what to do after storm damage and how to deal with the insurance company. You will also learn how to choose the perfect roofing contractor for your needs.
Call Your Insurance Company
So, what is the first step after you experience roof storm damage? Start by calling the insurance company to begin the claim process. This conversation aims to determine what does (and does not) fall under your coverage.
You should also evaluate the total value of the damage. If you know the correct number, you can decide if home insurance will cover the cost. It could also be better to hire a contractor for the required repairs. If the damage is substantial, you may need to file a claim based on the specifications.
As you talk with your insurance company, it is also vital to understand what an “act of God” is and how it fits within your insurance policy. An act of God relates to any events outside of your control. Acts of God are natural disasters like floods, earthquakes, and other severe weather.
Acts of God and homeowner’s insurance policies have a complicated relationship. While an act of God is not a standard category in most policies, some events are covered, while others are not. Roof damage due to rain, wind, or hail is typically covered under most homeowner’s insurance policies. On the other hand, damages from volcanoes, earthquakes, and floods are not.
Talk with your insurer and read through the policy diligently. Here is a quick breakdown of natural disasters and insurance policies:
- Hurricane: yes, and other windstorms are usually covered, but not floods or storm surge
- Tornado: yes, fallen trees, hailstorms, and other wind-derived rain are typically covered
- Lightning: yes, damage from smoke, fire, and other power surges fall under this section
- Flood: no, flooding and water damage will not be covered
- Earthquakes: no, landslides, earthquakes, and various earth movement will not be covered
Get an Inspection Done
Next, you should reach out to a professional contractor for an inspection. Scheduling an evaluation with a roofing company will help you assess the damage. It will also allow you to narrow down an accurate estimate. The roofing contractor will examine the following:
- Roof – visual assessment of the roof by investigating the house’s perimeter
- Gutters and vents – the contractor searches for dents on accessories, gutters, and overhangs.
- Windows – the company will check for screen tears, broken glass, cracks, and stripping
- Ceilings and attics – the contractor will analyze water spots, leaks, and exterior damage
It would be best for you to act on this step quickly. Your roof could experience further damage if it is not repaired quickly. Delaying the process of calling the roofer will allow more time for moisture penetration. The longer you wait, the more moisture will develop in the decking, insulation, and underlayment. This issue can extend into rot, mildew, and mold growth.
There might be a larger hole in the roof needing to be addressed immediately in some extreme cases. If you do not call a roofing contractor right away, you might need to wait longer to get emergency tarping and other roof repairs completed.
As you go throughout the process, you should also have a complete understanding of the warranties you have on your roof. You might think there are many types of roof warranties, but you only need to know these three:
- Standard manufacturer – warranty covers any purchase on products for the roof
- Workmanship – covers the installation and comes from the contractor
- Extended manufacturer – covers the contractor workmanship and extended coverage for the various products
Partner with a Reliable Roofing Contractor
When your goal is to restore your roof to glory, you should work with a roofing contractor you can trust. After you get your claim approved, you can now bring the roofer onboard to replace the roof.
If you want the job done right, contact Imperial Roofing in Tampa, FL, today. We deliver 24-hour roof repair for the most severe emergencies. We understand roof damage occurs at the most unexpected times. Our team of dedicated professionals is here to fix your leaky roof and prevent further damage. Our goal is to protect the interior of your home or business.
In addition to our 24-hour availability, here is what you can expect from Imperial:
- Live phone support 24/7
- Prevention of interior damage
- Highly trained, committed team of service professionals
- Thorough inspection with documentation, thermal imagery, digital photos, and detailed log listings
- Documentation to file a solid claim with the insurance company