Kansas storms and roof damage
Kansas if sometimes considered the capital of Tornado Alley. Even if it isn’t, homes in this state are subjected to the spring storm damage. Roof repair is as a common in the spring as the flower blooming. Homeowners are often faced with decisions of storm damage roof repair or storm damage roof replacement.
A first time homeowner may not realize they need storm damage roof repair though. Even some seasoned homeowners may not realize it, so we’ll talk about that today. Starting with questions like, how do I know if my roof has storm damage?
While a roof is designed to withstand the weather and the strong elements that come with spring storms, wind damage roof repair is one of the most common homeowner insurance claims. The heavy storms that develop and roll through this area of the country too often win the battle and leave behind those storm damage roof repair needs.
If you suspect you may need storm damage roof repair, it is important to contact a roofing contractor to inspect your roof. Here are three indications that you could have storm damage on your roof:
- Wind Damage: Wind damage is signified by missing shingles and bent or missing flashing. Flashing is the metal strips on your roof that protect the most vulnerable area like the chimney, dormers, and roof valleys. Wind damage isn’t always visible though, like the adhesive seal on the back of shingles is broken. Another indication of windstorm damage roof repair needed are thin horizontal lines across the shingle. This is where granules have worn off 1 to 2 inches beneath the shingle above, which is because that adhesive seal is broken. Once that seal breaks, that shingle will begin flapping in the wind and loosen the shingle above, and that continues on up your roof.
- Hail Damage: A hailstorm will bruise roofing shingles, leaving indention on the shingles, often leaving a distinct pattern of small round divots on the shingle edges. The flashing is a good place to check for hailstorm damage. Roof repairs are often the replacement of the flashing over the entire roof because it has been dented by hailstones. You may have dented flashing, dented shingles, or both, all of which makes your roof in need of storm damage roof repair.
- Debris Fallen: A major storm can cause trees and other debris to fall all around your home and on the roof. That debris and trees that fall on your roof often create cracks in the shingles that will lead to roof leaks they aren’t addressed. After a storm has passed, walk around your home, and survey the roof. If you see any debris on the roof, search the internet for “storm damage roof repair near me” and call a professional roofing contractor to do an inspection. If the confirm there is storm damage, they can provide you an estimate. Then contact your insurance company and file a claim for storm damage roof repair or replacement.
What counts as storm damage?
Storm damage is left behind after a destructive weather pattern has come through and damaged or destroyed areas of your home, and property. This can include storm damage roof repair or replacement, siding, windows, and more.
What do you do after a storm damages your roof?
The roof is the first line of defense in protecting your family and home against the climate and elements. So when you think that your home has suffered storm damage, roof repairs need to be addressed immediately. The following steps are important to assure your homeowner’s insurance is filed in a way it can be taken care of and keep your home protected.
- Damage Assessment: The first step after a severe weather even is to assess if there is any damage. Using a pair of binoculars, walk around your home checking the roof and making notes, taking pictures even a video if possible, of any damage you notice. Any loose or missing shingles, flashing, any exposed tarpaper, or decking, etc.
- Temporary Repair: Make any temporary repairs needed to minimize any further property damage. If the damage is above any living space inside your home, note any interior property damage and the take the steps to protect it from further damage. This can be moving furniture, electronics, and personal belongings. What can’t be moved, cover in plastic. Place a bucket or pail under any leaks to catch any more rain coming into your home. Climb up on the roof if possible and place a tarp over any holes, using 2×4 boards to hold it in place.
- The Insurance company: Contact your homeowner’s insurance company and determine if the damage is sufficient to file a claim. They will have an adjuster come inspect your roof to make that decision. You have the right to have your own roofing contractor inspect and evaluate any storm damage roof repairs or replacement are needed. If possible, have both inspectors there at the same time.
Does homeowners cover storm damage?
The basics of homeowners insurance is to pay for storm damage roof repair or replacement. However, every policy is different, and every storm damage is different. Review your policy with your agent before the need arises and if changes are needed to your policy, you can do them ahead of time.
So, can I claim roof damage on insurance?
Absolutely! Whether your insurance claim will be paid for storm damage roof repairs will depend on what your policy covers or omits and what the insurance adjuster finds after inspecting your roof. If they deem the storm damage roof repair is needed because of homeowner neglect or the age of the roof, they can deny your roof damage claim.
Your need to keep your roof in healthy condition. This is done by taking the time to do a walk-a-round once a month or after a storm event. Keeping an eye for any possible issues and addressing them as soon as possible is must as a responsible homeowner. Need help with roof insurance claims in Olathe, KS? Call 888-360-8474 today.