Roof damage is a common problem after a hurricane. You can expect leaks, clogged gutters, granule loss, or worse, a full collapse. Shingles are usually most affected as they can break, get loose or even get blown off during such weather.
In case of hurricane damage, a delayed response can lead to larger problems that’ll cost you significant time and money.
Start by Scheduling a Roof Inspection
You’ll have to first hire an expert roofer to inspect your home to understand the exact scope of the damage. They’ll provide you with an estimate of the repair cost and suggest the best course of action.
In some cases, there’s a need for an immediate response or the damage can get worse. A professional will help you secure these damages until you can contact your insurance providers.
File Your Claim
The next thing is to call your insurance company. The sooner you can make a claim, the sooner you can get your roof fixed.
Although the time to file a claim varies from one policy to another. Some companies ask the clients to file a claim within 30 days, while some companies extend this period for a year. The best thing to do would be to call your insurance provider and inquire about the hurricane damage insurance claim.
Remember to document all the damages caused by a hurricane, and keep all the receipts of the repairs as most policies cover these expenses.
A lot of times people turn a blind eye towards roof maintenance. They think insurance will cover all the damages. But you should know insurance companies pay close attention to improperly maintained roofs as this violates the claim. They also take into consideration the age of your roof. Insurance companies are unlikely to pay for repairs for a roof that’s more than 20 years old.
That’s why it’s always recommended to take proper care of your roof, schedule regular inspection and maintenance appointments.
But after a hurricane, the best thing to do would be to find a good roofing company and get in touch with your insurance provider to know what’s covered and what are your deductibles.