When you have roof damage from a storm, there are many questions you may have. Who should I call first? How long will the repair take? Will they be covered by my homeowner’s insurance?
First, most damage caused by storms will be covered on your homeowner’s policy, with the applicable deductible. However, the damage determined to be gradual or happening over time is usually considered to be a maintenance issue, or normal wear and tear, which is not covered by most homeowner’s policies.
What To Do First
Call your insurance agent first. Go over every detail and every damaged spot that you can find. Take photos of the roof damage if possible. In most cases, an adjuster will be sent to look at the damage, and decide how much the repairs might cost.
After notifying your insurance company, research roofing companies in your area, looking for experience and knowledge of your roofing material and coinsiding roof damage. Prusak Roofing has extensive knowledge of all roofing types and materials and can provide any estimates that the insurance company may require.
Your adjuster may want to have a meeting with your roofing company to hash out costs and material needs. Make sure through every step of your roof repair, you keep receipts, estimate notes, discrepancies, and supplement filings to ensure that your claim is handled properly.
You roof storm damage doesn’t have to be a pain. Proper record keeping, notification, and research will help to ensure the process goes as smoothly as possible.