A big storm just barreled through your neighborhood and you suspector knowthe roof is damaged. Now what? Here are answers to a few common questions about roofing storm damage and insurance claims:
How do I know my roof is damaged?
Sometimes damage is obvious to a homeowner on the ground; other times, it can only be identified by a professional who goes onto the roof for an inspection. Schedule an inspection by contacting an insured roofer with a strong reputation and experience in storm damage repairs.
What happens during a storm damage inspection?
Its impossible to conduct a full assessment from the ground. A qualified professional will always get on the roof to examine shingles, flashing, vent covers, and other roofing features for evidence of damage.
In addition, the inspector should walk your homes perimeter to evaluate the condition of gutters, downspouts, siding, and more. A good inspector will also look inside the attic to pinpoint potential damage or problems with ventilation.
After the storm inspection, the roofing contractor should walk you through their report. They will show you photos of any damage and, if necessary, explain how that damage impacts your property.
Why hail damage matters even when it looks minor
Hail strikes leave bruises on the shingles surface. These bruises may appear relatively minor, as though a few granules have been scraped off the surface. However, hail often damages the foundation of the shingle, causing it to crack or break underneath. This may not cause an immediate roof leak, but over time, moisture seeps into that crack, compromising the integrity of the shingle.
The result? Your roof might seem fine for a year (or two, or five), but eventually water will work its way through those cracks and trigger a leak. This is precisely the reason insurance companies are willing to pay hail storm claims even when the damage doesnt appear severe; it will cost them less to replace the roof now than to replace the roof and mitigate water damage later.
Learn more in Was Your Home Affected by a Recent Hail Storm?
What happens after the inspection?
Call the 1-800 claims number listed for your policynot your agent. The insurance representative will ask you a few basic questions about your roof and the storm. Then, theyll give you a claim number and have an adjuster contact you to set up an appointment.
Always coordinate the appointment so the adjuster can meet with the roofing contractor who did the damage evaluation. The inspector will do more than simply discuss damage and repair or replacement. They will also work directly with the insurance company to handle paperwork and act as your advocate, eliminating much of the stress that often comes with filing claims.
Theres another important reason to have the adjuster meet with the roofing inspector: when a storm causes widespread damage, its not uncommon for insurance companies to send in out-of-state adjusters to help manage the volume of claims. A quality roofing contractor will work with the adjuster to make sure they understand state and local roofing codes, so your roof is repaired or replaced to required standards.
Work with roofing contractors who understand storm damage & insurance claims
Inspectors at Best Contracting are HAAG certified, which means theyve completed assessment training and testing to properly and professionally evaluate storm damage. To schedule a free roofing storm damage inspection in PA, NJ, MD, or DE, contact our team today.
FAQs About Roofing Storm Damage in Pennsylvania
How soon after a storm should I schedule a roof inspection?
As soon as possible. Waiting can allow small issues to become worse. Quick inspections also help ensure you meet insurance claim deadlines.
Does homeowners insurance cover hail damage?
Yes, most policies cover hail and wind damage. Coverage may vary, so always review your policy and consult with your roofing contractor to maximize your claim.
What if the damage seems minor?
Even small bruises or missing granules can shorten your roofs lifespan. Insurance companies cover these repairs to prevent long-term costs, so dont dismiss seemingly small issues.
Why should my contractor meet with the adjuster?
Your contractor understands roofing codes and damage evidence. Their presence ensures that all necessary repairs are included in the insurance scope of work.
Protect your home and peace of mind after a storm by choosing a contractor with both roofing expertise and insurance claim experience. Contact Best Contracting to schedule your free inspection today.
