3 Questions To Look Into When A Storm Leaves Your Roof Damaged

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After a storm leaves your roof with damage, you may want to instantly call your insurance company to find out what can be done. Before you rush into this call, there are several things you might want to investigate. As you do this, look into these three questions. The answers will help you know whether to file a claim with your insurance company.

Did the Damage Occur From the Storm?

A roof can wear out or become damaged simply from age, and repairs needed for these reasons are generally not covered by home insurance policies. To determine if the damage is from the storm that hit your home, look for the following signs:

  • Missing shingles – high winds can rip shingles right off a roof.
  • Curled shingles – if the wind does not rip the shingles off, it can still cause them to lift and curl.
  • Dents or marks – if the storm involved hail, you might notice dents in your shingles.

These are the three main signs of storm damage for a shingled roof. If you have a different type of roof, the signs might be slightly different. If the damage you see on your roof looks like it is because of the roof's age, your home policy may not cover any of the costs for repairs.

How Much Damage Did This Cause?

If you believe that the damage was caused by a storm, you will need to evaluate how much damage it caused. This can be the tricky part, but you do not have to do it alone. By contacting a residential roofing company, you can request a roof inspection. This inspection will include three main details:

  1. Verification that the damage on the roof was caused by a storm.
  2. The extent of the damage and statement regarding what types of repairs the roof needs.
  3. An estimate that states how much it will cost to fix it.

As the roofing company completes the inspection, they will look for signs of storm damage, and they will look at how much of the roof is damaged. A damaged roof could be more prone to leaks and will wear out faster than a roof that has not been compromised.

Will Your Home Insurance Pay?

If the roof's damage is definitely caused by a storm and if the damage is severe enough to require repairs, it is likely that your home insurance policy will pay for part of the costs for repairs. If you decide to turn this in as a claim, there are two things to ask your insurance company about:

  1. Deductible amount – You must find out how much your deductible is so you can compare this amount to the total costs of the repairs needed. According to Insurance Quotes, a typical deductible for home insurance is $500, but yours might be more or less than this.
  2. Type of valuation – the second thing to ask about is how your claims are valued, and there are two main methods used by insurance companies for the purpose of valuation. The first is actual cash value (ACV), and this method pays your claim based on the actual value of your roof at the time. The other method is replacement cost value (RCV), and this method bases the amount on how much it actually costs to perform the repairs.

Most policyholders prefer the RCV method because they tend to get more money when making a claim. Once you find out the answers to these three questions, you will know exactly what repairs your roof needs, and you will know how much you will have to pay out of your pocket. The answers to these questions will help you know whether to file a claim, or not.

If you would like to get a quote for storm damage repair, contact a residential roofing company. Most roofing companies work with insurance companies to make this process easier and smoother for everyone involved.

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