During storm season, we all face the potential for developing storm damage to our roof. If that happens to you, taking the right steps will help ensure the damage is minimized and improve your probability of an insurance claim approval.
Steps to Take When You Have a Storm Damaged Roof
Ensure Your Safety First
Make sure to focus on safety before checking the extent of the damage. After a storm there could be things like live wires, fallen branches or even damage to the roof’s integrity. It’s best to stay on the ground and avoid going on top of or near the outside of the building. If you must check the roof, wait until it’s safe or get advice from an expert.
Conduct a Preliminary Assessment
Once it is safe to do so, conduct a preliminary assessment of the damage. Look for visible signs of damage from the ground using binoculars. Key indicators include:
- Torn or loose roofing system components
- Cracked or dented gutters
- Displaced flashing around chimneys or vents
- Debris on the roof
This initial check can help you determine the severity of the damage and guide your next steps.
Document the Damage
It is crucial that all damage is documented, particularly if you plan to file an insurance claim. The best way to document your roof damage is with clear, high-resolution photos or videos. Be sure to capture different angles and use close-ups as appropriate. Sometimes the use of a tape measure for scale is extremely helpful.
This documentation will prove invaluable during the claims process, so take the time to do a thorough job.
Secure the Property
To avoid additional damage, make sure to safeguard your property. If possible, cover the areas with a tarp or plastic sheet. Secure the covering with nails or sturdy objects to ensure it stays in place firmly. This quick solution will shield your property from additional water damage or debris until you can arrange for repairs to be done.
Contact Your Insurance Company
Make sure to contact your insurance company regarding the damage. Share the evidence you’ve gathered and adhere to their guidance on submitting a claim. An insurance adjuster may need to come to your home or commercial building for a thorough assessment of the damage. Keep records of all interactions with your insurance company.
Hire a Professional Roofing Contractor
Now, it’s time to prepare to get in touch with a specialist. Opt for an insured contractor known for their reliability. Be cautious of storm chasers — contractors who show up in storm hit areas and propose hasty, frequently inferior, repairs. It’s best to go with experts who have received good reviews and recommendations when making your choice of contractor. When deciding on a contractor keep the following points in mind:
- Experience and Credentials: Verify the contractor’s experience in handling storm damage and check their licensing and insurance.
- References and Reviews: Ask for references from previous clients and read online reviews.
- Written Estimates: Obtain detailed written estimates from multiple contractors to compare costs and services.
Review and Approve Repair Plans
Work closely with your chosen contractor to review the repair plans. Ensure that the scope of work is clearly defined and includes all necessary repairs. Discuss materials, timelines, and payment terms upfront. A well-drafted contract should outline everything, leaving no room for misunderstandings.
Monitor the Repair Process
Once repairs commence, stay engaged in the process. Regularly check in with your contractor to ensure the work is progressing as planned and that the quality meets your expectations. Address any concerns or issues promptly to avoid delays or additional costs.
Inspect the Completed Work
Once the repairs are completed, make sure to inspect the work. Ensure that all issues have been taken care of and that the repairs meet your standards. Request a warranty from your contractor for the repairs. Keep all paperwork (for future use).
Avoiding Future Roof Problems
To prevent roof damage, it’s important to conduct routine maintenance tasks such as clearing out gutters, inspecting for any signs of damaged roofing components, and promptly repairing minor issues that may occur. Scheduling annual inspections is highly recommended! Trusting roofing professionals to identify and address potential problems early on can help prevent significant issues.
Roof Storm Damage Experts
As soon as your roof suffers from damage, it’s important to handle it with care and act quick! Follow these steps, prioritize safety, document any damage, partner with your trusted insurance provider and call Louisville Top Choice Roofing. By doing so you can effectively navigate the repair process and ensure your home is well protected.
Remember that staying proactive with maintenance and being vigilant can help shield your roof from storm damage, keeping your property safe and secure. If you have any questions or need assistance with storm damage repairs, don’t hesitate to call us at 502-777-1844. Stay safe.