Your roof is designed to protect against the elements, but it still takes a beating during storms. Heavy rain, hail, strong winds, and even falling debris can cause significant damage to your roof.
When the skies clear, it’s essential to assess and repair any damage promptly to prevent further issues down the road. But how do your know that is time for a storm damage roof repair?
We’re here to help. In today’s comprehensive guide, we will walk you through:
- The common signs of storm damage on your roof
- How to perform temporary repairs
- How to document damage for your insurance company
- Tips for filing a roof claim
- When to call a roofing contractor
- How to estimate the cost of roof repair
Common Signs of Storm Damage
Wondering how to spot storm damage on your roofing system? Here are some of the key signs to look out for.
- Missing or Damaged Shingles: High winds can lift or tear shingles, exposing the underlayment and making your roof vulnerable to leaks.
- Dents or Cracks in Roofing Materials: Hail can leave dents or cracks in your roof’s shingles or other materials.
- Water Stains on Ceilings and Walls: Leaks caused by storm damage may manifest as water stains on your ceilings or walls.
- Granule Loss: Hail and wind can dislodge the granules on shingles, which protect them from UV rays and moisture.
- Fallen Tree Limbs or Debris: Falling tree limbs or debris can puncture or break roofing materials, leading to structural damage.
- Clogged or Damaged Gutters: Clogged gutters can cause water to back up and damage your roof, while damaged gutters can contribute to water infiltration.
4 Tips For DIY Temporary Fixes
Before a roofing professional assesses and repairs your storm-damaged roof, you can take immediate steps to prevent further damage:
1) Secure Loose Shingles:
If you notice loose shingles, carefully nail them back in place to prevent them from becoming projectiles during the next storm.
2) Apply Roofing Cement:
Roofing cement can temporarily seal small leaks or gaps in your roof to prevent water intrusion.
3) Tarp Damaged Areas:
Covering damaged sections with a tarp can provide a temporary barrier against water until permanent repairs can be made.
4) Remove Debris:
Safely remove any fallen tree limbs or debris from your roof to prevent additional damage.
Documenting Storm Damage for Your Insurance Claim
Proper documentation is crucial when filing a roof damage insurance claim. Follow these steps:
- Take Photos and Videos: Use your smartphone or camera to capture clear images and videos of the damage. Include wide-angle shots and close-ups.
- Create a Detailed Inventory: Make a list of all the damaged areas, including the type and extent of damage to each component.
- Record the Date and Time: Document the date and time of the storm, as well as when you discovered the damage.
- Gather Witnesses: If possible, collect statements from witnesses who can verify the extent of the damage.
- Save Receipts: Keep all receipts for temporary repairs or expenses related to the damage, as these may be reimbursable.
Filing a Roof Claim with Your Insurance Company: 4 Steps
Once you have documented the damage, it’s time to file a roof damage insurance claim. Follow these steps:
1) Contact Your Insurance Company:
Notify your insurance company as soon as possible after discovering the damage. They will guide you through the claims process.
2) Provide Documentation:
Submit the photos, videos, inventory, and other documentation you gathered during your inspection.
3) Schedule an Inspection:
The insurance company will schedule an inspection with one of their adjusters to assess the damage.
4) Obtain a Repair Estimate:
While the adjuster will provide an estimate, it’s a good idea to obtain your own from a reputable roofing contractor for comparison.
When to Call a Roofing Contractor
While temporary repairs can mitigate immediate damage, you should enlist the services of a professional roofing contractor for a thorough inspection and permanent repairs. Here are some signs it’s time to call a roofing contractor:
Extensive Damage:
If the damage is extensive, involving multiple areas of your roof or severe structural issues, a professional is needed.
Safety Concerns:
Climbing onto your roof can be dangerous, especially after a storm. Leave it to trained experts who have the necessary safety equipment.
Leaks Persist:
If you notice persistent leaks, even after temporary repairs, it indicates a more significant problem that requires professional attention.
Uncertainty:
If you’re unsure about the extent of the damage or need guidance on the best course of action, consult with a roofing contractor.
Cost to Repair Your Roof
The cost of repairing storm-damaged roofs varies depending on several factors:
- Extent of Damage: The severity of the damage directly impacts the cost. A few missing shingles will be less expensive to repair than extensive structural damage.
- Roofing Materials: The type of roofing materials you have (e.g., asphalt shingles, metal, slate) affects repair costs. High-end materials may be more expensive to replace.
- Labor Costs: Labor costs vary based on location and the complexity of the repair job.
- Additional Repairs: If the storm damage extends to other components like gutters, fascia, or ventilation, these will add to the overall repair cost.
- Insurance Coverage: Your insurance policy will play a significant role in covering repair costs. Be sure to understand your deductible and policy limits.
To get an accurate estimate for your specific situation, it’s best to request quotes from multiple roofing contractors. They can assess the damage, recommend necessary repairs, and provide you with a detailed cost estimate.
Take Care of Your Roof Shingles
Storm damage to your roof can be a stressful experience, but with proper assessment, documentation, and timely repairs, you can protect your home from further harm. Remember to document the damage thoroughly, file a claim with your insurance company, and enlist the help of a professional roofing contractor when needed. By taking these steps, you can ensure your roof remains a sturdy shield against future storms and weather challenges.
Storm damage bringing you down? O’Donnell Roofing can help. Contact us today for efficient repairs!
