Nature has a way of captivating us with its beauty and many wonders, but it also has ways to catch us unprepared for its destructive elements. A large storm can cause significant damage to your roof in a single moment. If your roof has suffered storm damage, it’s important to file an insurance claim and get your roof back to working order as quickly as possible.
What to Do After Storm Roof Damage
It’s best to contact your roofer and your insurer as soon as you can to let them know your roof has been damaged and what the extent of the damage is.
You should also take action to prevent additional damage:
- Remove fallen branches or dead trees
- Cut back any trees hanging over your house before the next storm
- Dry out your home
- Have your roofer tarp the damaged areas
After your roofer has inspected your roof, you can then schedule a time for an insurance claims adjustor to review the damage. Your insurer can help you file a claim.
Know Your Policy Information
An average homeowner’s insurance policy covers roof damage caused by unpreventable reasons. Disastrous “acts of God” such as tornadoes and hurricanes are also usually covered. While hail, wind, and rain are usually covered, there are other factors which determine if the damage will be covered. The easiest way to know what is and is not covered by your home insurance is to contact your insurance provider.
- Wear and tear caused by aging. Some policies take the age of your roof into consideration and may only cover the depreciated value of your roof.
- Damage caused by unresolved maintenance. An adjuster will be sent to investigate and verify your claim. If they determine the damage is a result of poor care, you may not be eligible to claim damages caused by the leak.
It’s also important to know what your insurance deductible is. This is the amount of money you will pay out of pocket for the repairs or replacement. Having your deductible set aside can make the process easier. Your insurer takes into account the policy limits and conditions and covers the claim value minus your deductible.
Survey Your Roof
From the ground, walk around your home inspecting signs of physical roof damage. Look for missing, damaged, aged, or cracked roofing materials. A missing patch of roofing can cause water to enter your home. If possible, get into your attic and look for signs of water penetration.
To ease the experience of the claims process, have your camera or phone ready to take pictures, both for your contractor and insurance. Take photos of your roof and property after the storm, making sure to focus on areas of damage. If possible, provide documents including any invoices, estimates, and bills you receive and any other supporting evidence.
Don’t climb to the roof to survey and take pictures because the structure could be weakened. You could fall and injure yourself or cause more damage to the roof.
Have a Local Roofer On Hand
In an emergency situation, you need a roofer you can count on. Having the name and number of your trusted local roofer on hand can be helpful if you need assistance after a storm. Roof damage after a storm requires prompt attention, which is why you need a roofer who will respond immediately and salvage the situation.
Roofing contractors can properly assess the extent of the damage or potential weaknesses that should be addressed to protect your home. Your local roofing repair specialist will be familiar with most situations and can recommend repairs needed. Bonus points for having regular maintenance so they know you and your roof!
How to Find a Trustworthy Roofer
When dealing with roof damage insurance claims, local relationships and experience can make all the difference. If you don’t already have a trusted roofer, ask for references and get up to three estimates. Ask your friends and neighbors if they know a local and trustworthy roofer. Make sure you ask the right questions and look for the right qualifications.
Contractors with experience working with insurance providers add extra value to the process. They should be on hand to work with the adjuster on what repairs must be done and will have the knowledge to say why. Knowing a local roofer before storm damage happens can help you feel like a pro when storm damage happens. Perfection Roofing is a trusted storm damage repair company providing roof inspection, repair, and replacement services in Tulsa. We have experts to help you with the inspection so the claims process goes smoothly. Contact us today to schedule an appointment or to request emergency roof repairs in Tulsa.