Storm Damaged Roof Repair FAQs
Protecting the structural integrity of your roofing system should be a top priority, as it is one of the most important aspects of any critical home maintenance and repair agenda. As soon as your roof begins to show signs of damage or reduced performance, it is wise to contact a licensed roofing company who can locate the source of the damage and make professional repairs or adjustments as needed. The sooner you spot a roof problem and fix it, the less expensive and invasive the repair process will be. This includes professional post-storm inspections to ensure your property is still intact.
Since most homeowners are not roofing experts, it is common to have many questions and concerns when it comes time to repair a roof. Continue below to read some frequently asked questions about roof repair and replacement to gain a better understanding of your roofing system needs after a severe storm.
If there is only a small amount of damage, should I repair my roof anyway?
Even if it only has a small amount of damage, you must repair it to protect the true structural integrity of your roofing system. Neglecting to repair minor damages can lead to more expensive ones down the road, such as water damage.
Will my insurance company leave me if I file a roof repair claim?
Since storm damage is largely out of your control, it is highly unlikely that your homeowners insurance company will cancel your policy. In fact, it is illegal for them to do so in most states. There may be exceptions to this rule, but in most cases, your policy will not be canceled for filing a storm damage repair claim.
Will my insurance company increase my rates if I file a roof repair claim?
It’s common for insurance companies to raise everyone’s rates across the board after a severe storm or natural disaster. One way of looking at this is that you should file a repair claim as it is already going to help pay for everyone else’s. There may also be exceptions to this rule.
Why is my new roof not covered by the manufacturer’s warranty?
It is very common for roofing product manufacturers to exclude hail repairs from their warranties. In fact, several warranties specifically mention hail as an uncovered repair. Be aware that newer roofs are more prone to hail damage, as they have not yet had enough time to heal and gain resistance against the natural elements. To avoid this problem, talk to a reputable contractor about the affordable hail damage protection options available to you.
Do I have storm damage if all my shingles are still intact?
Missing shingles aren’t the only indication of storm damage. A storm can cause all kinds of roof problems, many of which are unnoticeable at first glance. For this reason, it is important to understand that your roof may still have been damaged in a severe storm, even if it appears to be in the same condition as before.
Can I repair hail damage from years ago?
The answer to this question is yes. “You can repair your roof at any time, regardless of its age or condition. However, the cost and time required to do so will likely be higher, and there is a possibility that the entire roof will need to be replaced. The problem here is filing a claim with your homeowners insurance company.They may not cover repairs if it’s been too long.This varies from case to case, of course.