Will My Insurance Cover a New Roof?
This is a great question. The dwelling coverage in a homeowner’s insurance policy generally helps homeowners protect their structure. This coverage usually applies to the roof, certain perils, or causes of damage. Fire, wind, and hail damage are safe bets for sources of insurance coverage. With regard to whether or not insurance covers hurricane damage, the answer is more nuanced. Private homeowner’s insurance policies generally do not cover flood damage, however, insurance does offer coverage for wind damage when it occurs.
Does Homeowners Insurance Cover Wind Damage to Roof?
As previously stated, homeowners insurance generally covers certain causes of storm damage. This includes wind, hail, and lightning. If a strong storm hits your neighborhood, shingles can easily be ripped-off of your roof. In order to understand the extent of the damage to your roof, contact a local, reputable roofing company for your hurricane or wind damage. He or she will be able to discuss the scope of the damage to your roof, and give you reliable options. Your respectable roofing contractor will also be able to discuss whether you need a roof repair or a roof replacement.
How do I Know if My Roof Has Wind Damage?
Does your roof have wind damage? Please browse through the following list to find out more about the signs and symptoms of roof wind damage.
- Dented, torn, curled, or missing shingles.
- Dents in your gutters or roof vents. Wind can whip around debris and cause damage to your roof and gutters, creating hidden roof damage.
- Cracked windows, loose weatherstripping, and torn screens.
What Does Hail Do To Your Roof?
When hail hits your roof, it can leave black punctures in your asphalt shingles. Depending on the size of the hail, the punctures will either be large or small. Hail can also cause dings in aluminum siding, gutters, or asphalt shingles. If you have vinyl siding, it can easily become cracked, as can wood shakes. If you have wood shingles, you can expect to see random damage with no discernable pattern. You will also experience split shingles, and impact marks or dents along the splits.
What Happens if You Don’t Replace Your Roof?
If your roof is twenty years old, or older, and you experience a hurricane or storm damage, you can expect further deterioration. Neglecting to replace or repair your roof can lead to water damage. Once water infiltrates the roof, it can easily penetrate into the home. Water does rot the roof, and this mildew and mold can eventually sicken home inhabitants. Contacting a reliable roof contractor can alleviate such issues. He or she will care most about the integrity of the roof and be able to help you navigate a correct pathway towards a healthy roof structure.
Hurricane Roof Repair
One of the things that can affect a commercial property after a hurricane, is a complete loss of heating and cooling services. For commercial HVAC services please make sure to contact a reputable HVAC technician. For hurricane roof repair, a similar process must occur. Your roof strength is vital to the integrity of your home. Emergency roof repairs can alleviate roof leaks until a more serious fix is found. It is not unusual to need a roof replacement after a hurricane.
Roof Repair After Hurricane
Hurricane damage roof repair services can help homeowners and property owners alike. When your roofing contractor comes to inspect your property, please make sure that they investigate your attic for leaks or water damage, if they do not immediately do so. If stains on ceilings and walls are apparent, these must be addressed as quickly as possible to mitigate further water damage.
How Often Should Roof Be Replaced?
Depending on what type of roofing material you have on your roof, you can expect a different estimated roof life. For composition shingles, homeowners can expect to need to replace their roof after fifteen to twenty years. Asphalt shingles last fifteen to thirty years, and wood shingles last longer, approximately twenty to twenty-five years. If you have a rubber roof, you can expect to replace it within the range of thirty to fifty years. Metal roofs only need to be replaced once in a lifetime because they last fifty to seventy-five years.
Should I Be Home During Roof Replacement?
Homeowners should be advised that do not have to be present during their roof replacement. Roof replacement for an average-sized single-family home only takes a few days. It’s really important if you do work from home, to know that it could be a potentially loud process. That’s why it might be advisable to stay out of the house during the duration of the roof replacement.
Your hurricane roof repair must be handled with professionalism. Our staff at Sugar Land Premier Roofing are ready to assist. Please call us at 281-747-8990. Discover more about how a hurricane roof repair in Sugar Land, TX can solve your roofing problems!