Storm Damage Roof Insurance

Storm damage repair may be disastrous or minor. Every situation is very different. With regards to dealing with the situation, even though, obtaining the process right is critical. Each time a storm rips in your home or when hail from a big thunderstorm pelts your windows, you could encounter sizeable damage to your home.”

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As home owners, we’re susceptible to Mother Nature every day. When disaster lands at our doorstep or, in this case, our rooftop, we could be glad about insurance coverage and the availability of roofing insurance claims for storm damage. When purchasing insurance, it usually is better to seek advice from your insurance agent about your policy’s coverage as it concerns roofing insurance claims storm damage.

As soon as the storm has gone by, look at the roof for damage. The wounds might be noticeable (missing shingles, cracks, indoor leaks) or higher subtle (bruises, dents to shingles or gutters, or granules collecting in gutters). All of these signs of damage are a cause for concern. Bruises to your roof (areas where the shingles’ granules happen to be knocked away) could expose the shingles’ bases to a lot more UV rays, creating damage that will limit your roof’s life. Holes, cracks, and missing shingles can cause water damage in your house (if severe, this may cause mold formation or rotting wood). Really don’t shrug off damage; it may result in more problems later on in the future.

Once you’ve taken note of the damage, write down the date of the storm, a description of the damage, and take some photos. You could also print off local news stories about the storm, in case your insurance agency asks for proof of its occurrence.

Once you get an estimate from your insurance company, you might commence the process of getting the work out to a professional. If you opt to engage a professional, ask them to provide you with a estimated cost after they have reviewed the damage. In your initial conversation, explain that the funds will come from your insurance company’s claims department, which handles the payment of roofing insurance claims for storm damage. When the adjuster and contractor may agree with the remedy for the damage and the cost, this may expedite the process. Generally your roofer will be awarded the repair job.

Whenever they approve your claim, contact back your contractor. Use the first check from the insurance company to fund materials and the second to pay for the contractor. Be sure that all materials are purchased in your name (and also the check provided) and do not pay your contractor till the job is completed and has passed city inspection.

Roof replacement or repair as a result of hail damage may be one of the most expensive repairs for house owners and insurance firms. Being sure that you properly identify roof hail damage in a timely basis, and following a right procedures can help protect your family’s most crucial asset, your own home.