After a hurricane or severe thunderstorm, you could have missing shingles or chunks of asphalt lying several feet away from the house. This damage may be caused by 100 mph wind that blew in during a hurricane or by years of storm-related wear and tear. Follow these steps to file a claim for roof wind damage.
How Bad Is Wind Damage?
Strong wind gets under your shingles and breaks the seal. When the seal is loose, the shingles are likely to break off completely. At the next thunderstorm, you may see loose shingles flapping in the wind and leaving your roof unprotected.
How Old is the Roof?
Your roof may be too old for the insurance company to cover its replacement value. Instead, you’ll get coverage based on actual cash value, which was the monetary value that your roof was worth when it was damaged. Paying out of pocket is necessary if you want to replace the roof.
Review the Deductible
Know the deducible that you must pay before you receive coverage from the insurance company. Some companies have higher deductibles for wind damage caused by hurricanes.
Contact the Insurance Company
Review the full terms of your homeowner’s insurance policy first. Know the full extent of the wind damage made to the roof, gutters and ceiling. Then, contact your insurer to file a claim.
Decide whether you need a replacement or actual cash value. Obtain an accurate estimate of the roofing repair or replacement. Hire one of our adjusters to handle a complicated claim for severe damage.
Review the costs and benefits of different types of roofing materials. Choose a roof that is more durable and energy efficient than your last one.
Your insurance company should cover accidental damages caused by wind, rain or other natural events. Make sure that you have adequate coverage in case of this disaster. Contact our claims adjuster to review your policy and help you file a claim.
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