Every homeowner fears waking up to a damaged roof after a bad storm. However, preparing for storm damage is the key to success. If a hostile storm hits your home, you need to know what to do when storm damage causes a leaky roof. Here is a step by step guide to coping with storm damage.
Know What Your Insurance Covers
It’s important to read through the fine print of your homeowners’ policy to understand how your insurer defines terms such as “flood” or “earth movement.” Most homeowner’s policies cover damages caused by hail, lightning, and wind. Damages caused by earthquakes, mudslides, sinkholes, or floods will need special insurance coverage. Speak with your insurance agent to see what your policy covers and what it doesn’t.
Have a Working Relationship with a Local Roofer
It’s always important to keep in contact with your local trusted roofing contractor. This will help you avoid working with a storm chasing roofer, who will create even more trouble for you.
Reputable roofers offer a myriad of roof repair and replacement options for both residential and commercial buildings. Whenever a storm damages your roof, you can rely on them to inspect your roof and recommend the best course of action. A local roofer will also offer quicker response times, especially if the storm damage calls for immediate attention.
Complete Regular Maintenance and Repairs
As a general rule, have your roof thoroughly inspected at least once a year. You want to keep your roof in excellent condition to ensure it will stand up to storms.
Signs You May Have Storm Damage
Here are the common signs from inside and around the exterior of your home which indicate you may have storm damage on your roof:
Whether it’s a thunderstorm in spring or an ice dam in winter, your roof can suffer damages and expose your home to water damage. Leakage is the most common symptom of storm damage. And, although storm damage is often covered by homeowner’s insurance, coverage for water damage will vary depending on the cause of leakage. For instance, some policies cover damages caused by burst pipes while others don’t.
If discolorations show up on your ceiling after a storm, it’s important to have a roofer check it out. The problem could be caused by missing or damaged flashing around a vent or skylight.
During high winds, tree branches or other debris can land on your roof and cause damage to your shingles. Do some visual inspection around your house to see if there is any noticeable damage. If you’re not sure, have a professional roofer inspect your roof for any hidden damage.
Dents in AC Units
Flying debris during violent storms can also cause dents on your AC units and other roofing installations such as skylights and chimneys.
Dents on Flashing and Counter Flashings
Hail can bruise shingles and cause indentations that may be difficult to see but can crack the shingles and allow rainwater to infiltrate. Have your roofer determine the scope of the damage and recommend a solution.
Broken Glass/Power Lines
If the storm downed power lines, it can pose a variety of hazards. Always treat downed power lines as energized and dangerous. Call your utility company or the police immediately.
Storms can also shatter windows, strewing the surrounding area with sharp glass shards. Wear protective gear, such as close-toed shoes and puncture-resistant gloves, before you begin moving around your home or yard. Carefully clean up the broken pieces and dispose of them safely.
Many roofs in Tulsa are made of asphalt shingles, thanks to their affordability and availability in a variety of styles and colors. During windstorms or hail storms, asphalt shingles can be blown off, damaged, or cracked. If you notice missing or damaged shingles, contact your roofer immediately.
What to Do When a Storm Damages Your Roof
The first thing to do after storm damage is to call your roofer to come and inspect the damage and issue an estimate for the necessary repairs. Next, call your insurer to notify them of the damage and file a claim if the damage is covered under your insurance policy. However, your roofer should be onsite when the insurance adjuster arrives to inspect the damage.
Your home could sustain further water damage that may be costly to repair if you do not act quickly. Be sure to have a detailed scope of all the damages in your home and the cost to repair or replace prepared. Here is where your roofer will come in handy. With their experience dealing with roof damage, they’ll help you keep a record of all the damages and the cost.Once the claim is approved, your roofer should begin the repair or replacement job as soon as possible to prevent further water damage. Stay away from storm chasers who can cause more harm than good to your roof. A reputable local roofer such as Perfection Roofing in Tulsa can help you through the storm damage repair process. Contact us today for any questions about storm damage and what documentation you may need to file a claim.