Damage assessments are often done after storms, which is why they are also called a storm damage assessment. The roofing professional will assess your property with a trained eye, take digital photos, provide an estimate, and then work with your insurance company. You can hire a Storm Guard service provider for a free roof damage assessment at any location near you.
There are several different types of roof damage that may warrant a roof health assessment and lead to an insurance claim:
In most cases, homeowner’s insurance will cover you in the event that your roof is damaged by an insured peril, such as a storm. Before filing your insurance claim, you will need to hire a professional roofing specialist to give you a recommendation on the necessary repairs.
Filing an insurance claim can be frustrating if you’re not familiar with the process. This is why at Storm Guard, we will walk you through the entire process, start to finish. We will also work with your insurance adjuster to cover the restoration costs.
Before you file a claim, check your policy to see what kinds of roof damage are covered. Some companies have separate wind and hail damage plans. Lack of maintenance is never covered by insurance companies - be sure to conduct regular maintenance so that you get the highest reimbursement you can. Also note that cosmetic damage from hail to a metal roof may not be covered.
The next step is to assess the damage to your home. It’s important to know the scope of the damage before you start your claim. Your Storm Guard roofing specialist will do a thorough roof damage assessment, making sure that everything in need of repair is identified.
Finally, be sure to keep records of all your correspondence and the damage. Take photos and note who said what and when. Claims can quickly get complicated and it helps to have evidence of what has already happened. Don’t delay in filing a claim - the longer a roof sits with damage, the more that can go wrong.
Learn more about our most frequently asked questions
You will know your roof is damaged if you see any missing or broken shingles, cracks in the flashing or skylights, or obvious leaks. However, not all damage can be seen from the roof. You should also check your attic for water spots - if there are water spots, there is damage.
Storm damage will appear after extreme weather. Watch for broken or missing shingles, holes, cracks, or water leaks. All of these are signs of storm damage.
Roof damage that is caused by acts of nature or unpreventable events may be covered by your homeowner’s insurance. However, not all insurance policies cover all the damage. There are some policies that only cover damage caused by hail or wind. Be sure to document all your storm damage to prove its not caused by a lack of maintenance.
You have a few options if you don’t have the money to fix your roof. Many homeowner’s insurance policies do cover roof damage from storms. Your Storm Guard service provider will work with you to file a claim and provide payment options for your insurance deductible.
No! In fact, your insurance payment may go down due to the new reliability of your roof.
