Has Your Roof or Siding Been Damaged in a Recent Storm? Here’s What You Need to Know Before Filing an Insurance Claim
Has Your Roof or Siding Been Damaged in a Recent Storm? Here’s What You Need to Know Before Filing an Insurance Claim
Storms can be unpredictable, but roof and siding damage is often not. Whether it’s hail, strong winds, or heavy rain, your home’s exterior is vulnerable to damage. As a homeowner, you might not notice the damage right away, but if left untreated, it can lead to bigger, more expensive problems down the road.
The good news is that you don't have to face this process alone. At Acute Roofing, we’re here to help you assess the damage, handle insurance claims, and ensure your home is repaired with the care it deserves. In this post, we’ll guide you through what to do if you suspect roof or siding damage and how to file an insurance claim to make sure you’re properly covered.
How to Inspect Your Roof and Siding After a Storm
The first step after a storm is to check for visible damage. If you're able to safely inspect your roof, here are the most common signs you should look out for:
Roof Damage:
Missing or Torn Shingles: Check for any shingles that have been blown off or damaged. Missing shingles can lead to leaks, so addressing this right away is crucial.
Granule Loss: If you see dark spots on your roof or granules in your gutters, it may indicate that shingles have been compromised.
Cracks or Dents: Hailstorms can cause cracks or dents in shingles, which leave your roof vulnerable to further damage.
Leaks or Water Stains: Inside your attic or ceilings, look for any signs of leaks. Water stains or dampness could indicate a hidden roof leak.
Siding Damage:
Cracked or Broken Siding: Strong winds and hail can crack or break siding, leaving the interior of your home exposed to the elements.
Dents or Dings: Hail can leave dents in vinyl, aluminum, or wood siding, which, while not always immediately problematic, may compromise the siding’s integrity over time.
Water Stains on Walls: Check the inside walls for any signs of water damage. This could indicate that water is getting through damaged siding.
How to Document Damage for Your Insurance Claim
Once you’ve assessed the damage, it’s time to document it for your insurance claim. Proper documentation is key to ensuring your claim goes smoothly and that you receive the compensation you deserve. Here are some tips on how to do this:
Take Detailed Photos: Photograph any visible damage to your roof and siding, as well as the surrounding areas. Include wide-angle shots that show the full extent of the damage and close-ups of specific issues.
Record the Date and Time: Make note of the storm date and any damage-related events that occurred. This can help your insurance adjuster match the damage to the storm event.
Keep a Written Record: Write down your observations about the damage. Note any missing shingles, broken siding, and signs of water intrusion. Be as thorough as possible.
Common Mistakes Homeowners Make When Filing Insurance Claims
Filing an insurance claim may seem straightforward, but many homeowners make mistakes that can delay or reduce the amount of compensation they receive. Here are some common pitfalls to avoid:
Failing to Document Everything: If you don’t document the damage thoroughly, the insurance company may deny or undervalue your claim.
Waiting Too Long: Insurance claims typically have deadlines. Waiting too long after the storm to file a claim can result in the loss of coverage.
Hiring Unlicensed Contractors: Insurance companies may not honor claims if the work is done by an unlicensed or uninsured contractor. Always hire a certified professional to handle repairs.
How Acute Roofing Can Help
At Acute Roofing, we understand the stress and confusion that come with storm damage and insurance claims. Our team is here to help you every step of the way:
Free Damage Assessments: We’ll come out to your home and provide a free roof and siding inspection to assess the extent of the damage and help you understand your options.
Insurance Claim Assistance: We work closely with your insurance company to ensure that your claim is handled quickly and fairly. We’ll guide you through the paperwork, handle inspections, and make sure you get the compensation you deserve.
Expert Repairs: Whether it’s a small repair or a full replacement, our team is skilled in both shingle roofing and siding repairs. We’ll get your home back to normal as quickly as possible.
Contact Us Today for a Free Storm Damage Inspection
If your roof or siding has been damaged by a recent storm, don’t wait to take action. The sooner you address the damage, the less chance there is for more significant issues down the line. Contact Acute Roofing today for a free storm damage inspection. We’ll help you navigate the insurance claims process and restore your home to its pre-storm condition.
For more information about our services, visit our roofing services page or give us a call.