Does Insurance Cover Your Roof for Storm Damage?
Since the roof of your house keeps the elements outside where they belong, it is probably one of the most important parts of your home’s structure.
And because it is so exposed to all of the elements that it’s keeping out, it is definitely at risk of storm damage from a wide variety sources.
Depending on the area of the country you live in, your roof can be bombarded by hail, snow, wind, rain, sleet, ice, singularly or in combination.
When purchasing homeowners insurance you need to be aware of exactly what coverage you might have for your roof. If you have already purchased insurance, you should contact your insurance agent to see what coverage you have and determine if you need to make changes for better protection.
How to check your roof for storm damage
- You can begin to check for damage by first inspecting areas around your house and objects on the ground before climbing up on the roof.
- Check for shingles that may be lying on the ground, or a large amount of shingle granules that may be accumulating on the driveway or walks.
- You can also check for other objects in your yard that may have been damaged that could indicate roof damage, such as shutters, fences or aluminum siding.
- Call your insurance agent who will be able to guide you through making an insurance claim.
- Double check with him on what your coverage is.
- Be prepared to give him information about the storm and what you think the damage might be.
- Be sure your agent is aware if your roof is compromised and is leaking into your home causing even more damage. This will certainly give urgency to your claim.
- Engage a professional roofer to come out and inspect your roof.
- Sometimes a roof can be damaged, but to the untrained eye, it looks perfectly fine. You want someone who knows what to look for.
- Document damage by taking pictures and by keeping good notes about the storm.
- Many roofers will come out to your home prepared to assist.