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What to do if your roof is damaged during a storm

Posted in Metal Roofing over 4 years ago, 0 replies

Every now and again, a huge storm passes through which can do some pretty serious damage to your home and property. One area of the home that is usually the hardest hit is the roof which is not surprising as it is the first line of defense for your home. Strong winds, hail, or fallen tree branches can cause some pretty serious damage which leaves your roof vulnerable for future storms. If you’ve recently had a major storm and you suspect that your roof has suffered some damages, here are a few things that you should do.

- Look over your insurance policy. Most homeowner’s policies include coverage for hail, wind, and fallen tree damage but you’ll need to look over your policy in more detail to find out the limits and deductibles for various kinds of damage.

- Take photos of the damage. You’ll want to get photos of the damage as soon as possible after the storm so that you have a record of it. Your insurance company may ask to see proof of the damage.

- Prevent additional damage. Even before a roofing company comes out to repair your roof, there are some temporary measures you can take to prevent additional damage to your roof or your home’s interior. You can use a tarp or plastic covering to temporarily protect any vulnerable parts of your roof. Save the receipts for any purchases you need to make so your insurance company can reimburse you.

- Call your insurance agent. If repairs are going to cost more than the deductible, you’ll want to call your insurance company to file a claim. If the repairs are going to be less than your deductible, don’t bother filing a claim as your insurance company can increase your rate or drop you as a customer if you file too many smaller claims.

- Avoid fly-by-night roofers. Often in the wake of a big storm, out of town roofers or handymen will come through, knocking on doors trying to find work. Avoid these kinds of roofers as they often do shoddy work or skip town after receiving payment without finishing the job. Reputable roofers will be in high demand after a big storm. They won’t be going door-to-door using high pressure sales tactics to get work.

- Get three written estimates from reputable, local roofers. After you’ve done a little research and found a few contractors with a good reputation, have them come out to inspect the damage and provide you with a written estimate.

- Get a written contract. Before any actual work begins, you’ll want to get a detailed, written contract from the roofing company that outlines the scope of the roof repairs and the materials that will be needed.

Home improvement news brought to you by bartonroof.com
Source: cleveland.com/consumeraffairs/index.ssf/2015/06/avoiding_post-storm_home_repai.html
Photo of SallyWilliams.

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