Roof Storm Damge

When filing an insurance claim it is important to have evidence that the damage you are claiming is new.

Roof storm damge.

Many different things can happen during a storm. The insurer will send an expert out to examine your roof and determine whether this is the case for you. Often roof storm damage is not visible to the naked eye and partnering with a reputable roofing contractor who understands the issues is a benefit. Consult your home insurance policy to determine what is and is not covered by your home insurance.

Here s what to look out for and how to handle roof damage from a storm. Please be safe when inspecting your roof possibly view from a window inside the house or use binoculars from the ground. If you do find storm damage let your roofing contractor guide you through the insurance claim process including negotiating the correct. These aren t all of the possible problems but they are some of the most common.

As always safety is first. One factor that will come into play is the expected life of your roof. Damage caused by failing to take immediate action after a storm like failing to put a tarp over the hole in your roof in the days following an accident leading to more water damage. You can expect a bigger payout if a storm destroys your 5 year old roof than if your roof was already pushing 25 years at the time of the damage.

There are signs to look for when you believe there may have been damage to your roof. 5 types of roof damage. Roof storm damage checklist. If you need to file a claim state farm works with you throughout the insurance claim process.

Schedule and conduct a roof inspection. In some cases you ll be able to make a claim for the costs of repairing it. If the storm produced hail check for roof damage as well as siding damage. Strong winds can and will carry all sorts of items and they can land on your roof and cause damage.

Signs of storm damage. A standard homeowners insurance policy will cover water damage and roof leaks unless they re the result of gross negligence on your part. Hail damage commonly comes in the forms of dimples made by smaller chunks of hail that pound the outer layer of shingles. While your roof is designed to withstand the elements some storms are more intense than others.

Even if the roof leak is caused by a windstorm or a tree. Refer to this roof storm damage checklist to help you better understand the type of damage your roof may have sustained and to evaluate whether you need an entirely new roof or just parts of it repaired or replaced. Hail storm damage may lessen the life of your roof and cause leaks that impact your home s interiors. Roof storm damage claims should not increase your rates.