Is Storm Damage Covered by Insurance?

damage to roof

How do you know if your roof is damaged?

Ohio isn’t any stranger to different types of weather. The state is considered a humid continental with a humid subtropical climate in the extreme south. Yet, most people think of Ohio as cold and wintery, which we have that too.  Between the two distinct types of climate, we experience hot summers with UV rays, cold winters with snow, and spring storms that leave storm damage roofs. 

 Knowing what storm damage looks like on your home can save you a lot of inconvenience, money, and worry. Storm damage exposes your roof and your home to potentially serous problem. From water damage and rot to mold and wildlife infestations, all costing you hundreds and thousands of dollars in repairs. Some storm damage warning signs would be any of or a combination of the following: 

  • Water Damage

Where there are dark, dingy stains on the ceilings and walls, these are the most obvious you have a roof leak. You may see mold and moisture on the rafters in your attic, another indication you may have storm damage 

  • The Shingles

Where there are missing shingles, stones, or other roofing materials, could be from heat and high winds loosened them and they were blown off or fell off. Animals will pull singles up when there is a corner or edge lifted. All of this leaves your roof vulnerable to other wildlife and storm damage. 

  • The Fascia and Soffits

When the fascia and soffits start to crack, decay, or have missing wood around them, this is often from storm damage that allowed water damage to create and spread. This can also happen from clogged gutters and downspouts. 

  • The Gutters

Asphalt granules will rinse off into the gutter runs and on to the downspouts as they age. The granules also come loose because of other various elements like hailstones, heat, and heavy rains, as well as  basic aging. The bare shingles leave a roof exposed and vulnerable to other damage, including storm damage.

  • The Vents

When you have curled shingles and ice dams, you probably have poor attic vent for your roof. These curled edges are waiting heavy rains and high winds leave storm damage behind. Make sure your new roof has proper ventilation to keep this from happening again, aging your roof quicker than it should. 

How much does it cost to repair the roof?

The answer to this can be varied based on several factors. Like the size of the house and the type of roofing material.  On an average, for a house between 1700 and 2100 square feet, to tear off the existing asphalt and install new asphalt shingles, the cost can be from $1,700 and upward of $8,500. 

Should I replace or repair my roof?

It isn’t any secret that a home should have regular maintenance and upkeep. This keeps your home looking good and will make it easier on the bank account to catch small issues before they become big problems. 

When it comes to major home improvements though, the decision isn’t always a cut and dry matter, like the roof. Sometimes, a small repair from storm damage will suffice and other times, storm damage can be so extensive, a roof replacement is the best solution. 

The best way to start this decision process of storm damage repair or replacement is to have get 2 to 3 professional roofing contractors to inspect your roof. Ask them for written estimates and their recommendations. While it may just look like a shingle or two missing, there could be more severe storm damage to the decking or underlayment. 

shingle damage

Is replacing a roof covered by homeowners insurance?

So, you have several roofing contractors inspect your roof and yes, you have storm damage. Now you’re wondering, “Can I claim for storm damage on my homeowners’ insurance?”. The answer is maybe.  You need to file your claim, and if you’re not sure how to report storm damage, your insurance company should have it on their website or have a phone line that is answered 24/7/365 just for things like this. 

They will send an adjuster out to inspect the storm damage and decide if it is purely storm damage that is the problem, or if homeowner neglect allowed the storm damage to be as severe.  The homeowner neglect will be along the lines that the roof was aged and weak and couldn’t withstand the storm. 

As you do your storm damage clean up, take pictures of everything before you move anything. Ask the roofing contractors to take pictures on top of the roof and send you copies. Make notes of everything that has storm damages. 

Does a new roof help sell a house?

Absolutely!  Any potential homeowner will be ecstatic about one off the biggest expenses being replaced already. You will get most of your investment back on this upgrade too!  Need storm damage repair in Cincinnati, OH? Call 513-563-9988 today.