All roofs are susceptible to storm damage, which is why you should have a plan about what to do in the event of roofing emergency. Before you can schedule roof repair, you’ll need to file a claim with your insurer.
Here are the steps you need to take:
Document the Damage
Once it’s safe to go outside, take pictures of the damage areas. You’ll need to provide pictures of the initial roof damage when you file a claim with your insurer. The usual signs of roof damage are:
1. Dislodged shingles – Strong winds may have knocked some shingles off your roof. Check your lawn for roof debris.
2. Granules in your gutters – These granules protect your asphalt shingles from UV rays. While some degree of granule loss is expected over the course of the shingle’s lifespan, a build-up of dislodged granules in the gutter is a cause for concern.
3. Gutter leaks – Your gutters might have sustained storm damage as well. If there are any leaks, have one of your local gutter companies assess the extent of the damage.
4. Missing flashing – Flashing, a thin piece of impervious material, usually galvanized steel, prevents water from entering roof joints.
File an Insurance Claim as Soon as Possible
Once you have all the necessary documents in order, file a claim with your insurer as soon as possible. Insurers have a time limit on filing claims because it’s impossible to assess initial storm damage once it has affected other parts of your home. Remember: Your insurance policy only covers storm damage, not negligence on the homeowner’s part.
Meet With the Insurance Adjuster
After going through the necessary paperwork, your insurer will send an adjuster who’ll calculate your insurance payout. Afterward, get in touch with a roofing contractor. They can help you with the rest of the claims filing process.
Brewster Roofing, a company with over five decades of experience, offers a wide range of professional roofing services, including emergency roof repair services. To request a quote, call us at (913) 915-5234 or leave us a message on this page.
