During the fall and spring months, large portions of the country may experience strong, frequent storms. When these storms move through your community, they can cause extensive damage to your roof. If your roof suffers major damage, you will need to be informed about the steps that you should be taking to minimize the financial damages of storm-related roof damage.
Will Standard Homeowner's Insurance Always Protect A Homeowner Against Storm Damage?
A homeowner's insurance policy can be a vital form of protection against the expense of damages to your home. While these policies will likely provide some coverage for storm damage, the amounts and types of coverage will vary. For example, most insurance policies will cover wind-related damages, but the coverage limits for damages caused by this threat can vary greatly. Additionally, there can be other limits as well. Therefore, you will want to make sure that you have an insurance policy that provides enough coverage for the type of roofing that you have. This is necessary as natural stone shingles will be far more expensive to repair than asphalt shingles, and you will want to have an insurance policy that reflects this fact.
How Is The Best Way To Determine The Extent Of Your Storm Damage?
After a serious storm, you will need to confirm that damage has occurred and determine the extent of it. Unfortunately, it can be all but impossible for a homeowner to determine whether their roof has suffered structural damage. While it can be easy to tell when a roof has suffered major damage, you may be unable to see small punctures or other subtle issues. Therefore, you will be best served by hiring a professional roofing contractor to perform a thorough and comprehensive inspection of your house. Failing to have these inspections done can lead to overlooked storm damage causing your roof to suffer severe deterioration.
Can Your Roof's Risk Of Suffering Storm Damage Ever Be Mitigated?
Homeowner's insurance will help you to repair your home after it has suffered roof damage. However, protecting your roof against this damage can also involve taking proactive steps to minimize the risk of damages occurring the next time a storm strikes your area. This will involve keeping any large trees trimmed away from your home or completely remove so that they will not be at risk of falling it. Even a moderately sized branch can impact the roof with enough force to puncture through it. Also, annual roof inspections can help mitigate this risk as these inspections will allow any loose or otherwise compromised shingles to be secured or replaced before storm season arrives.
Check with a company like Ulrich Builders for more information.