Storm Damage? Here’s What to Do

Storm Damage? Here’s What to Do

A roof doesn’t last forever and at some point a homeowner will need to look at replacing it.  When that time comes you will probably be filled with questions and wondering where to start.  Here are some steps you can take when getting your roof replaced.

Start with an Inspection

Once you have chosen a contractor or your insurance has referred you to one they are going to start with inspecting your roof.  They are going to look at all the different parts of your roof such as the gutters, downspouts, flashing, vents and skylights if you have them.  They are going to look for storm damage, holes, leaks, weakened areas and anything else that will affect the job of replacing your roof.  Once they have finished they will go over with you what they found, what it means and what comes next if you decide to go forwards.

Working with Insurance

If you are replacing your roof because of storm damage then you are probably working with an insurance company.  Your insurance will send an adjuster to come out and inspect your roof themselves.  After both the roofing contractor and insurance company come to an agreement as to the extent of your damage then they will come to an agreement on an estimate.  Insurance companies can drag out the process, especially if they have lots of claims to process after a storm.

If you have a mortgage on your property then the bank or mortgage company will be apprised of everything that is going on.  If you’re insurance company sends you a check for repairs it may even be made out to both you and the mortgage company.  While the roof is being replaced your contractor may find additional problems that couldn’t be detected on the original inspection, if that happens then you will have to go back to your insurance company and amend the claim.  Working with insurance companies can be trying but it is still better than having to pay out of pocket.

The Replacement Process

Whether you can live in your house while the roof is being replaced will depend on the extent of the damage, both the insurance company and the contractor will let you know.  The process can take anywhere from a couple of days to a couple of weeks.  A roof needs to be installed according to local building codes and the specifications of the manufacturer of the materials.  Also check into the warranty coverage in the event that something goes wrong after the replacement is complete.

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