Seeing the damage on your home can be a complete shock at first; However, to protect your home from any further damage the first thing that should be done is covering any damage to the roof or windows with tarping. This will prevent further leaks should there be any other rain or wind, and prevent further damage to the exterior as well. We always recommend reaching out to a professional to do this to avoid hazards such as climbing on roofs or experiencing injury from any broken glass. A reputable roofing company will often provide these services free of charge as well — and they will be trained in spotting damage that one might not easily see at first glance.
Document What Caused Your Roof Damage
It’s best to call out a professional to document and take pictures of any damage that occurred during the storm. A roofing professional will take tons of photos, often between 30-100 to help you in filing a proper claim with your insurance company . They will also document photos with time and date on them. This helps back your case that the storm happened on a certain day.
Also notate any pertaining details supported by local weather service reports. This is the sort of stuff that makes it difficult for the insurance company to refute. In fact, just including it in your claim gives them a reason to provide more accurate rates. It also might be a good idea to check in with neighbors to see if any damage that occurred to their homes. Again, this will further back your claim if you do decide to file one.
Look to See What Roof Damage Your Insurance Policy Covers
Not all homeowners insurance policies are created equal. What damage does yours cover in the event of a storm? You may have to dig a bit further to find out. Unfortunately, insurance coverage isn’t the same as a maintenance plan. You might need a new roof without suffering a catastrophic event. Quality shingles will last 15-20 years or longer, so there’s a pretty good chance you may have damage at some point. Whether it’s enough to justify a whole-roof replacement – or even justify filing a claim – depends on the situation.
The most important thing to remember is that neglecting roof maintenance may result in zero coverage, even when disaster strikes. This is the number one way insurance companies avoid paying for repairs. If you have ignored cracked, curling shingles, missing soffit, damaged underlayment or rusting gutters, the insurance company might say poor maintenance put your roof at risk. Using a professional company can help in this situation too, as the pros can weigh in on the damages other homes in your neighborhood experienced.
Work with a Professional Expert to Put Together an Estimate
Getting in touch with a reputable roofing company prior to submitting your insurance claim for repair is of the utmost importance so that you actually understand what costs are needed to repair any damages. Some insurance companies have a history of undercutting consumers, providing just enough funds to replace your roof with the poorest quality materials. Having an estimate in-hand may expedite the claims process by discouraging unreasonable restrictions.
After a large storm, your area might be crawling with amateur roofing companies – or worse, scam artists. Be sure you are working with a reputable company. Do your research. Check out the local BBB. Look online for reviews. Its always important to do your due diligence. In Texas, many people are not aware that there is zero licensure required to complete roofing projects. As a result, there are all kinds of unreliable roofing companies out there who may be looking to make a quick buck out of your situation.
Consider Whether You Should File an Insurance Claim for Repair
The cost for a total roof replacement could top $20,000, but not all roofing repairs are so expensive. A small $3,000 partial replacement or patch job might not be worth filing a claim. There are a few considerations:
- How much of your deductible
- What is the total cost of repairs
- Whether you’ve filed claims before
In theory, you should be able to file a claim whenever your home needs repairs, as long as its covered by your policy. But it’s critical not to overdo the claims or it may put up red flags for your insurance provider. Worse, your claims history goes in a national database and new insurance companies might refuse to take you on or could charge you an outlandish rate. Experts commonly suggest paying out of pocket for repairs until they reach the $5,000 mark.
Call the Roof and Window Pros
You can also minimize your risks and greatly increase your chances when filing an insurance claim for roof repair by reaching out to Rebuild Texas Roofing and Windows for your emergency repairs and initial damage assessment. We specialize in storm damage assessments, emergency roof and window repair, and know all about the insurance claims process. We also have our very own adjuster in house who can fight to get you what you rightfully deserve. Contact us today at 888-314-5091 or schedule an inspection by clicking here. We are A+ rated with the BBB and have thousands of reviews from satisfied homeowners here in the area.