Frequently Asked Questions About Roof Storm Damage

When a storm hits the aftermath can leave homeowners and business owners grappling with damage to their most valuable asset: their roof. Understanding the nuances of storm damage can be overwhelming, which is why we’re dedicated to providing you with all the information you need to navigate this challenging time.

Recognizing Storm Damage

A common question is whether it’s possible to spot hail or wind damage from the ground. In most instances, the signs of damage aren’t overtly visible to the untrained eye. This is why it’s crucial to have a professional assessment; experienced roofers can spot subtle damages like granule loss from hail or missing shingles caused by wind that might otherwise go unnoticed. Many homeowners are unaware that even when a roof appears intact from an external viewpoint, underlying damage can pose significant risks.

What To Expect From Your Insurance

Navigating insurance claims post-storm damage brings up many concerns for property owners. A prevalent query involves the extent to which insurance will cover the cost of repairs or replacement. Thankfully, most insurance policies cover storm damage, however, specifics, such as deductibles and the fine balance between replacement cost value (RCV) and actual cash value (ACV), depend on individual policies. The timely filing of insurance claims is crucial, and policies might dictate a window ranging from six months to a year post-event to file a claim. 

Selecting the Right Roofing Contractor

Choosing a roofer is a critical step in the repair and replacement process. We recommend selecting a contractor familiar with your locality to ensure they understand local building codes and weather challenges. Look for roofing companies that are licensed, bonded, and insured, and who are willing to provide references and proof of their qualifications. Moreover, opting for a contractor with a robust local presence and a proven track record, can provide peace of mind and ensure quality workmanship.

Dealing With “Storm Chasers”

Following significant weather events, it’s not uncommon to encounter “storm chasers” – contractors who follow storms around the country with the sole aim of securing quick roofing jobs. These entities often lack local ties and might provide subpar work, leaving homeowners with few recourses if issues arise down the line. It’s always better to rely on local, reputable roofing companies that have a vested interest in the community’s well-being.

Upgrading Your Roofing Materials

For those considering material upgrades during the replacement process, it’s important to understand that while insurance may cover the basics, any increases in cost due to upgrading materials will likely fall to the homeowner. However, investing in higher-quality materials can confer long-term benefits, including better resistance to future storms which, in the long run, could be more cost-effective and provide greater peace of mind.

Commercial Roofing Services, LLC is committed to helping our community navigate through the aftermath of storm damage. Should you find yourself in need of assistance or have further questions, our team is here to support you every step of the way, ensuring your roof is restored to its optimal condition. You can reach us at (205) 719-3850 or fill out our contact form to schedule an appointment.