How to Take Action as a Homeowner
As a homeowner, it’s easy to notice when your plumbing or air conditioning service malfunctions. Your roof, on the other hand, is a different story. How do you know if your roof is damaged? Contrary to popular belief, there’s not always clear, visible signs indicating storm damage to roof shingles. Homeowners often find out hidden rooftop trauma only after long-term leaks cost them thousands of dollars in mold removal and water damage. Nobody wants that!
Today, we’re going to discuss how you can identify and respond to damage on your roof. By the end, you’ll know to spot those tell-tale signs that let you know to call for storm damage roof repair. Let’s dive in!
What is Storm Damage?
“I know it when I see it!” is not a dependable standard for identifying storm trauma on your rooftop. Some problems can affect the rest of your home long before the damage becomes evident from the ground level. Considering the frustration and expenses that a single roof leak can cause, it pays to be thorough as you hunt for rooftop damage.
Below, we’ll explore the various signs and sources of roof damage, and how you can respond as a homeowner.
How Do I Know if My Roof Has Storm Damage?
Make a detailed inspection of your roof, or let a professional do it. Search for signs of displaced, cracked, or torn roofing materials (shingle, tile, etc.). You’ll likely see pock marks if your roof has been impacted by hail. You’ll also want to keep an eye open for sections torn off by heavy wind.
Especially keep an eye open for bent and dislodged flashing. These metal strips protect the gaps around your chimney, valleys, and other roofing extreme. Otherwise, water quickly funnels down these vulnerable areas and into your attic. Severe weather may also damage your gutters system and pull it away from the fascia boards. If rain tends to splash out of the gutters, there’s a chance they’re either clogged or too loose.
Signs Your Roof Has Storm Damage
- Cracked and torn shingles
- Pock marks
- Displaced flashing
- Dinked and loose gutters
- Leaks in the attic
- Ripped off fascia boards
What Causes Roof Damage?
When homeowners think of rooftop damage, they usually point to storms as the primary culprit. While severe weather certainly causes rapid trauma, there are plenty other hazards to your roof.
Types of Roof Damage
- Hail Trauma
- Wind Tearing
- Rain Degradation
- Pest Invasion
- Corrosion (Rusting & Wood Rot)
- Tree Impact
- Algae Growth
- Solar Radiation
Any of these threats may weaken or even total your roof, so it pays to expand your storm damage roof repair plan to address all of them. Make sure your insurance policy covers them too, or you could be in trouble the next time a tree branch cracks some shingles!
Is Storm Damage Covered by Insurance?
In the majority of cases involving rooftop storm damage, the trauma is created as a result of an unforeseeable hazard. For instance, you can’t predict (or stop) when hail is going to strike your roof with enough force to shatter shingles and open a path for rain to leak into the attic. These types of events are generally covered by homeowners insurance.
However, preventable cases of damage may not be covered by your insurance provider. If a termite-riddled tree next to a home falls and lands on the roof, an insurance adjuster may claim that the homeowner should have taken action to remove the weakened tree and that the subsequent damage is a result of their negligence. The homeowner would likely be on the hook for part or all of the repair or replacement expenses. This logic also applies when water leaks into a roof as a result of a homeowner failing to repair long-standing damages.
Storm Damage and Insurance Claims
Now, you might be tempted to call your storm damage repair services and charge straight into fixing the roof. That could be a disastrous mistake if you plan on filing an insurance claim for the work. Whenever your home is seriously impacted by wind, hail, or whatever type of weather covered in your policy, call a roof inspector and start taking pictures!
The photographed damage, along with the repair (or replacement) estimate provided by your storm damage contractor provide excellent evidence towards your claim. If you have an insurance provider that tends to resist paying out on claims, you’ll definitely want this supporting documentation! Your contractor also provides valuable insight to help you make the tough repair or replacement decision.
Find Your Trusted Storm Damage Contractor!
Hunting for a highly-rated, reliable storm damage contractor in your community? Our folks at Keystone General Contracting, LLC would love to help you with your storm damage roof repair in Shreveport, LA! We provide a variety of storm-related services, including valuable insurance claim assistance. Our roofers utilize durable TAMKO products, plus we provide 24 hour service in case of emergencies! If you’re ready to find fast relief, call our team at (318) 300-3660 today.