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Is Roof Damage Covered by Insurance?

Roof Damage by Storms Merits Roof Repair

Is Roof Damage Covered by Insurance?

Generally speaking, homeowner’s insurance does cover roof damage. However, the sticking point is what caused the damage in the first place. Acts of God, such as a fallen tree or hail, are usually covered. Lack of maintenance is usually a reason for insurance providers to waive coverage. A well-maintained roof that has storm damage will have a higher likelihood of being covered than a roof that has evidence of wear and tear. 

How Do I Know if My Roof Has Wind Damage?

Signs of wind damage are varied and should be taken seriously when uncovered. Usual signs of wind damage include dented, curled, or missing shingles. For signs of wind damage, please check gutters, soffits and fascia, roof elements, and windows. Any signs of damage should be noted. From ground level, your roof’s shingles may not appear damaged. This is why contacting a respectable, local roofing company for a roof inspection is preferable.

What Causes Roof Damage?

There are select primary reasons for roof degradation. At the top of the list, poor roof maintenance stands firm as a chief reason for roof degradation. That is why scheduling routine roof inspections with a reputable roofing company are so critical. Ice damage is another damaging factor. Snow and ice can be extremely heavy and can cause water damage in vulnerable areas of the roof. Wind damage is another factor, because not only can roofing shingles be ripped off of the roof, but wind can also cast debris around, causing damage to gutters and surrounding architectural elements. Another source of roof damage that should not be underestimated is poor roof installation. Poor roof installation can result in problems quickly developing and increasing in severity. That’s why it’s so important to select a roofing company that has high-quality standards and a solid reputation for excellence.

How Do You Know When It’s Time to Replace Your Roof?

There are a number of signs that homeowners should be aware of in terms of understanding when it’s time to replace your roof. If your shingles are curling, cracked, or broken, it’s past time to get a new roof installation. Streaking tar or algae growth are also determinant factors. If you are experiencing roof leaks in conjunction with any of these signs or symptoms, this is also a qualifying sign that you should receive an estimate for a new roof.

What Happens if You Don’t Replace Your Roof?

If you don’t replace your roof when it is time, the structure of your home can truly suffer. Your roof is built to withstand various damaging weather elements, including rain, harsh UV rays, wind, thunderstorms, and hail. When your roof falls into disrepair, it cannot adequately protect homeowners from these weather elements. Moreover, your home and your family can ultimately become negatively impacted.

Does Hail Really Damage Roofs?

When hail happens, it can cause quite a lot of damage. Whether the hail is large or small, black punctures can appear on your asphalt shingles. If you have a wood shingle roof, you can experience splitting shingles, and cracked roofing materials. Even the underlayment of your roof can become bruised as a result of hail damage. Roofers advise contacting a roofing company to assess hail damage as soon as possible.

How Bad Is a Roof Leak?

Roof leaks are always bad news. Spongy and weak water-damaged wood can result in peeling paint, deteriorated ceilings and unsteady wall coverings. When left unchecked, roof leaks can result in serious structural damage. In unmitigated circumstances, an entire portion of the ceiling could fall away due to a roof leak.

Should I Be Home During Roof Replacement?

While it may seem like a good idea to be present during a roof replacement, such events are inevitably loud and can be disruptive. When possible, it is advised for homeowners to visit a secondary location. While roof replacement does not take a long time, if homeowners do work at home, they can expect plenty of noises from overhead.

Roof Repair is Necessary for This Leaking Roof

Is a Leaking Roof An Emergency?

If you are currently experiencing a roof leak, it is certainly time to contact a reputable roofing company. The longer that you let your roof leak, the more water damage that can occur, and the more expensive the damages to correct. A roofer with a good reputation in the community will be able to discern exactly what needs to be done, and how to restore the integrity of your roof. Please be forewarned that if your roofer recommends a roof replacement, seriously consider it. 

Your roofing repairs should be handled with experience and precision. Our staff at Home Genius Exteriors are ready to assist. Please call us at 1-855-963-4663. Discover more about how excellent roofing repairs in Irvine, CA can solve your roofing conundrum!