Is Storm Damage Covered by Insurance?

After a heavy storm there is usually a sense of relief that the storm is over and you can now move on with your life with clear skies. Unfortunately that feeling of relief disappears when you discover your house has encountered storm damage. When that happens, a whole other set of fears and questions can come to mind like, “Can I claim for storm damage?” Depending on the damage, most storm damage is covered by your homeowner’s insurance. Standard insurance will cover most damage related to ice and hail, snow, lighting, and wind. When these catastrophes happen, storm damage repair will be needed. But don’t worry! We are here to ease your fears and help.

How Do You Know If Your Roof Is Damaged?

missing shingles from roof

If shingles are missing from your roof, call us for fast repairs!

There are a few ways to assess the condition of your roof after a storm. If you believe your roof may have been damaged, you can do a quick check yourself by looking inside the attic for signs of a leak. You can also take a quick walk around your home to inspect the roof for visible damage such as missing shingles or damage fascia. Hail damage can cause cracks, dents, dimples or wrinkles in the roofing material. Know that damage is not always visible from the ground. We recommend having a thorough inspection done by a professional to ensure there are now minute cracks or tears that need to be repaired.

Types of Damage

There are several different kinds of roof damage that can arise. One type of severe damage, that needs immediate repairs, is a roof leak. Some signs of a leaking roof can include stains on the ceilings and walls of your home or dripping water in the attic. Shingles can become damaged caused them to break or curl. Strong winds can cause them to rip or break off from your roof entirely. There also might be missing granules, a necessary coating on asphalt shingles that prevents leaks. Some other damage to be aware of is damaged flashing. Flashing is the thin piece of material that prevents water from leaking. When the flashing is broken, water can leak in your chimney, skylight, or roof valleys.

Storm Damage Clean Up

After a storm, you will need clean up the area around your home and see if any other problems that could have occurred from the storm. If the storm was flooding you will need to see if there is excess debris in the surrounding area. Excess debris can go in the drains. Storm drain cleaning can be necessary if there is an overflow of debris clogging the drains.

Contact Insurance Agent

roofer inspecting a roof

We will do a thorough inspection to determine what repairs are needed on your roof

Once you realize that you have sustained storm damage, call your insurance agent. Go over all of the damage that occurred and see what is covered and what isn’t. Record all of the damage, what needs to repaired, and what needs to be replaced. If there are any items you bought for the storm damage make sure you keep all of your documentation and receipts.

How To Report and File An Insurance Claim

  • Find out what’s covered by your insurance company
  • Contact us for an inspection
  • Get a report with details on the damage
  • File for claim with inspection information and photos of damage
  • Start repairs!

Roof Repair

Once you assess the damage and started the claims process, you will need to have your roof repaired to stop more damage from occurring. Once we’ve determined the repairs needed and quote you the cost, we will start with storm damage clean up to get your roof cleared of debris and broken roofing materials. Then we can tarp areas that are susceptible to leaks and begin replacing shingles or tiles with new materials. If the area around your home is flooded, you may also need professional storm drain cleaning to remove extra debris and prevent damage to your yard.

How Much Does It Cost To Repair The Roof?

Depending on the amount of damage to your roof, repairs can cost between a few hundred to a few thousand dollars. We will do an inspection to figure out how much damage there is to fix. You’ll be able to use the details of the inspection as part of your insurance claim which can cover most, if not all, of the repair costs.

Should I Replace or Repair My Roof?

If the roof has sustained damage that encompasses the entire roof a roof replacement may be required in order to ensure that your roof is completed protected from leaks and other damage.

Is Replacing A Roof Covered By Insurance?

Insurance does cover replacement costs if a roof is severely damaged due to storms, hail, debris, etc. It is important to get a detailed report of the damage to ensure that the costs are completely covered.

Does A New Roof Help Sell a House?

Yes. It can increase the value of your home by 15%-40%. The aesthetically pleasing look of the new roof will make home buyers more likely to buy your home, which increases its value.

Handling the aftermath of a storm can be overwhelming. To deal with the storm damage and all the complications that comes with it, we can assist you with roof repairs, roof replacement, and insurance claim assistance. If you are looking for storm damage repair in Palm City and Port St. Lucie FL area call us at .