Storm Damage Roof Insurance

During heavy storms, your roof acts like a shield: protecting you and your home from rain, wind, and hail. And when confronting a particularly monstrous foe, your roof (like any shield) can get a bit bent out of shape. That’s why it is important to take advantage of storm damage roof insurance—receiving the compensation you deserve for the storm damage you never expected. We’ll take you through each step—identifying the damage, making your claim, and responding to approval or rejection—so that if the worst should happen, you’ll have a plan of action for storm damage roof insurance.

Storm Damage Roof Insurance

Storm Damage Roof Insurance

Step #1: IDENTIFICATION

After a brutal storm, you should always check your roof for damage. Look for anything unusual, including missing shingles, bruises and dents, cracked or broken shingles, granules collecting in gutters, leaks in your roof or ceiling, and dents on your vents or gutters.

If you see bruises or dark spots, the roof has been damaged by hail that knocked away the shingles’ granules. The loss of those protective granules will expose the shingles’ bases to more UV rays, which can cause deterioration and reduce your roof’s life. Holes, cracks, or missing shingles could be the result of hail, wind, or a wayward tree branch. They can bring about leaks, which could cause severe water damage in your home and even lead to mold formation and rotting wood.

And of course after a very severe storm, whole portions of the roof might be missing, a case in which storm damage roof insurance will be vital.

Step #2: MAKING A CLAIM

Once you’ve identified the damage, contact your insurance agency straightaway. With most agencies, you only have a limited amount of time to make your claim, so don’t wait until it’s too late. Begin by assessing and recording the damage. Note the date of the storm, write a description of the damage, and take pictures. It might also be a good idea to search online and save (or print) a few local news stories about the severity of the storm, just in case your insurance agency wants proof later.

Then, start looking for a contractor. Find the best contractor possible (which is not always the cheapest) and be a little wary of insurance company-approved contractors, who may be fighting on the side of the insurance company (and try to lower your claim). The contractor should perform a full inspection, which includes the roofing, windows, siding, A/C, screens, concrete, etc.

When you have everything ready (assessment, photos, and inspection), carefully read through your insurance policy and contact the claims department. At this point, you may need an insurance adjuster inspection. If this is the case, it might be a good idea to have your own contractor present at the inspection to be sure that the insurance adjuster is playing fair.

After that, you just have to wait for the insurance company’s response.

Step #3: RESPONSE

If the claim is approved, great! Your insurance company should send you two separate payments: one for the materials and one for the contractor. It’s important that your contractor orders all materials in your name and uses your check to pay for them. It is also important that you wait until the project is finished and has passed city inspection before you give the contractor the second payment.

If the claim is not approved, don’t give up hope. You are entitled to meet with two more insurance adjusters. Plus, the second or third time really might be the charm! Research has shown that only 5% of homeowners not approved for a claim apply again; however, of those that do, 50% are approved on their second or third try. So if you’re confident that your home was damaged by a storm but you weren’t approved for storm damage roof insurance, don’t give up hope. Try again and you will likely be rewarded.

Storm Damage Roof Insurance