When a hailstorm strikes, roof damage can be a major problem. Most homeowner’s insurance policies cover damage caused by wind and hail. However, some policies have separate deductibles for hail and wind. Typically, these deductibles are between one to five percent of the dwelling coverage. If you’re unsure if your insurance policy covers damage caused by wind, call your insurance company and ask them to send a second adjuster to your house to assess the damage. The second adjuster may see damage you missed and approve your claim, or they may say your claim isn’t viable. You can also ask your insurer to send an engineer to assess the damage and make sure the roof is repairable.
If you’ve recently experienced a storm, check your roof for obvious signs of damage. If you see a number of broken, curled, or missing shingles, it’s time to call a professional. Early repairs are more affordable than roof replacement and can help you avoid expensive problems like mold and structural damage.
In addition to storm damage, regular wear and tear can cause your roof to need repairs or replacement. This type of damage doesn’t cause as much immediate damage as storm damage, but it can lead to more expensive repairs down the line. It can include dings and craters in the asphalt shingles. Additionally, water leaks can make shingles and metal gutters vulnerable.
Roof damage can cause additional damage to your home, so it’s important to get the job done quickly. Even if you can’t see the damage, a professional can fix the damage so you can return to your normal life. Your roof protects your most valuable belongings and can be a major source of stress if you leave it untreated.
Homeowner’s insurance may cover the cost of roof repair or replacement. It usually covers damage caused by a natural disaster or an accident. If your insurance doesn’t cover the cost of repairs, you’ll need to pay the deductible out of your own pocket. When you’re dealing with an insurance company, it’s best to negotiate a low deductible and avoid paying more than you’re obligated to.
As the temperature rises, your home’s roof may be at risk of damage. Winds can blow debris onto the roof or even limbs from trees. If the wind is strong enough, overhanging branches can fall and cause major damage to your roof. Trash and other debris can also cause damage to your roof.
When choosing a policy, make sure it covers damage caused by storms. Hail, falling trees, and lightning can all cause damage to a roof. Your homeowners insurance policy may cover damage caused by these events, but you should check it with your insurer to make sure you’re covered.