It’s bad enough when your home roof sustains damage, but the problem can become even worse if the insurance claim process doesn’t go smoothly.
The roof damage insurance claim process is a challenge, and there’s no time to waste in getting things in order with your insurance company and your roofing contractor. But it doesn’t have to be complicated or irritating.
With a dependable, professional contractor at your side, you can eliminate the headaches and have your roof back in shape in no time.
What Can Cause Emergency Roof Damage
There are many ways the roof of your Florida home may become damaged and kick-start the insurance claim process.
- Storm damage – Living in a tropical climate certainly has its advantages. However, it also includes having to deal with some harsh storms – including hurricanes. Strong winds and rain can wreak havoc on a roof, weaken it, and allow water to penetrate it.
- Sun damage – The sometimes relentless heat of the Florida sun can also damage your roof and make it vulnerable to warping, cracking, decay, and more.
- Algae – Humid weather provides an ideal environment for which algae to thrive, including on your roof. Algae growth weakens the roof and makes it structurally vulnerable.
- Moss – Like algae, moss thrives in humid weather. Moss poses a substantial risk to your roof because it retains moisture and may lead to water damage that weakens your roof.
- Faulty installation – Your roof is susceptible to damage if the shingles weren’t placed correctly during installation.
- Trees – Overhanging branches and limbs from trees placed close to your house can damage shingles and lead to significant roof problems.
Checking For Roof Damage
Unless you’re a professional roofing contractor, you should never check for damage by climbing on your home’s roof because it can be dangerous and even cause more damage to your roof. But you can check your roof from the ground, especially after a storm hits. Some of the things you should look for are as follows.
- Missing shingles – High winds can tear shingles from the roof and leave it vulnerable to water damage and leaks.
- Damaged shingles – Branches, debris, hail, etc., can all damage your shingles and increase the risk of roof leaks.
- Missing or loose flashing – When flashing is damaged or torn from its position it can lead to potential leaks.
- Damaged gutters – If your roof’s gutter system sustains damage it can increase the risk of rainwater damaging your home’s siding as well as the risk rain may leak through to your basement and damage the foundation.
Filing a Roof Insurance Claim
The two most important phone calls you need to make when your roof sustains extensive roof damage are to your insurance company and your roofing contractor. They’re equally important calls because you need the insurer to start the claim process and your contractor to inspect your roof’s damage.
It’s important to know what your policy covers regarding roof damage. Your insurance provider can fill you in and also let you know what your roofing insurance claim deductible is. They may also provide what average emergency roof repairs cost.
Meanwhile, choose a roofing contractor who has insurance expertise and can help guide you through the claim process.
What should you look for in a roofing contractor?
If you don’t have one already, you need to have a trusted roofing contractor who will work with you during the claim process. Choosing the right one means knowing what to look for.
- Knowledgeable – It may sound obvious, but you need to find a contractor who is well-versed and experienced in everything they do. They should know how to repair, maintain, and install your specific style of roof. They should also be well-trained and certified, as well as fully insured.
- Availability – You always want your contractor to be readily available during the claim process, and one who offers 224-hour emergency roof repair provides the most convenience. You need to schedule your repairs as soon as possible and a contractor who’s quickly available can make it happen.
- Local – It’s always safer to choose a local contractor. For one, they’ll be around if an issue arises after the repair work. You can build a personal relationship with them and develop trust. Moreover, it’s easier to schedule regular inspections with a local contractor.
- Other factors – Reliable contractors have great warranties, no contracts to sign at the time of inspection, and won’t demand full payment up front. They’ll also work with your insurance company, not against them.
If your Tampa-area home needs roof repair, contact Imperial Roofing Contractor. They provide 24-hour emergency repair support and have extensive knowledge of the insurance claim process.