Home Insurance Property Damage Claims: Protection Against Roof Damage
Roofing repairs and replacements are among the most commonly cited causes of homeowner’s insurance claims. Even relatively minor storm damage can result in major damages, leaving you facing thousands of dollars in repairs. Find out what to look for when inspecting your roof after a storm and how to get the maximum amount in a claim.
Inspecting Your Roof For Damage After A Storm
Driving rain, heavy winds, and hail due to tropical storms and hurricanes can all wreak havoc when it comes to your roof. Nationwide Insurance advises paying close attention to the following areas:
- Material failures: Shingles and roofing tiles can degrade over time and cracks, chips, missing pieces, or other types of damages are some of the first things you should be alert for after a storm. Check your flashing as well, which is the metal connecting your chimney, vents, and the top of your porch to your roof and make sure any metal collars or rubber gaskets around vents are solid.
- Tree damage: Heavy rain and lightning can cause downed trees or branches on your property. If a tree or branch does land on your roof, consult with a general contractor to ensure your home is still structurally safe.
- Wind damage: One of the most common causes of property damage, wind can wreak havoc with all parts of your roof. In addition to missing shingles and damage to the soffit or fascia, it can damage seals around chimneys and vents, leading to leaks within your home.
Conduct periodic inspections of your roof both before and after storms and look for other common culprits that can cause roofing problems, such as mold and trapped moisture. Not addressing seemingly minor issues promptly could eventually result in major repairs that are not covered by your property insurance.
Filing A Property Damage Claim Due To Roofing Problems
When it comes to potential problems involving your roof, it is important to carefully review your property damage insurance to make sure you are adequately protected. Check to ensure you have wind damage coverage and that your deductibles are reasonable. Forbes advises making sure any specific problems you may encounter, such as cosmetic damage to metal roofs, are covered as well. If you do need to file a property damage claim, follow these steps:
- Conduct a complete home inspection. Roof damage often impacts other areas.
- Be prompt in notifying the insurer. Delays could result in denial of your claim.
- Get a written estimate from a reliable roofing repair company. Do not rely on an insurance adjuster to estimate costs.
- Keep a record of all correspondence. Act quickly if you are denied or offered less than what you need for repairs or replacements.
Let Us Help You Today
To get the compensation you need to cover roof damage, get Bundza & Rodriguez on your side. Call or contact our Daytona Beach storm damage attorney online and request a consultation today.