Residential Storm Damage
Residential Storm Damage
Atlas Construction Group, in addition to commercial services, offers residential services from roof repair to large renovations. Whatever your project is we will guide you through the process step by step. Whether you are looking for simple repairs, new fencing, homeowner's insurance claims, or a new roof we are here to help you!
Roofing Storm Damage
How to Identify Residential Roof Damage
Does My Roof Have Hail Damage?
Roof damage due to hail is not always easy to identify, even in the picture above, it is easy to overlook if you do not know what you are looking for. Hail typically results in dents or pockmarks to your roofing material, however, it can also cause cracking and holes.
When struck by hail, the protective granules on asphalt shingles are dislodged, exposing the asphalt layer underneath. The granules are a barrier between inclement weather and UV rays, when they are knocked free the asphalt is no longer protected from the elements.
Strong winds can tear and remove shingles, leaving the roof deck or underlayment exposed. Wind damage can be identified by lifted or curled shingles. When your roof has wind damage the seal that bonds your shingles together is no longer effective, resulting in lifted or curled shingles.
High winds can also dislodge or remove sections of shingles, again, exposing the roof deck below.
Identifying wind damage.
What is Roofing Thermal Damage?
Thermal damage to your roof assembly occurs when there is poor ventilation. Extreme temperatures are not only isolated to the exterior roof surface, but also come from within your attic space. Again, this can be cause by poor ventilation.
Thermal damage is visible when your roof assembly blisters or shingles begin to cup and curl. High temperatures take a toll on shingle materials causing them to become brittle and deteriorate. Deterioration of the shingles will, again, cause an excess loss of protective granules exposing the asphalt below.
How do I Protect My Roof?
Simple! Look for signs of damage on your roof like the examples we have provided, in the images above. You may not have the time to look yourself or maybe you are unsure if your roof has damage, no problem, give Atlas Construction Group a call or submit an inquiry below and we will be happy to inspect your roof for free!
The National Roofing Contractors Association recommends for homeowners to have their rooftops professionally inspected twice a year at a minimum.
Make a Claim
Does Homeowners Insurance Cover Roof Damage?
Your homeowners insurance will, more than likely, cover your roof damage depending on what caused the damage. For instance, homeowners insurance may help cover the cost of repairs if hail or a fallen tree damages your roof. Here are some things to consider when it comes to homeowners insurance coverage for a damaged roof.
What Kind of Roof Damage Does Homeowners Insurance Cover?
Dwelling coverage in a homeowners insurance policy typically helps protect your home's structure, including the roof, from certain causes of damage. Commonly covered damages include fire, wind and hail damage. So, if your roof needs repairs after it is damaged by hail or strong winds, you may discover that your policy helps the cost of repairs.
Likewise, the roof of an unattached structure, like a detached garage or shed, may be covered by the other structures protection in a insurance policy, again, if the damage is caused by a covered peril. You will need to contact your insurance agent or refer to your homeowners policy to confirm.
When making a claim, it is important to keep in mind that you will more than likely need to pay a deductible before homeowners insurance will help pay to repair a damaged roof, your coverage limit will also apply.
Be aware that some policies may have certain exclusions that do not cover wind or hail damage and therefore will not cover the repairs. Again, read your policy to understand what exclusions are listed.
Does Homeowners Insurance Cover Roof Leaks?
Homeowners insurance may cover a roof leak if it is caused by damage that your policy covers, or covered peril. Suppose your roof is damaged during a hailstorm, which results in a leak. In that case, your homeowners policy may help pay to repair the roof leak, unless your policy excludes hail damage.
Your home may be covered by your policy in case of storm damage, however, homeowners insurance generally does not cover damage resulting from lack of maintenance or normal wear and tear. If your roof requires maintenance or has reached the end of it's life expectancy, homeowners insurance likely will not pay to repair the leak or resulting damage. It is imperative that you have your roof regularly inspected to avoid such exceptions.
Consult with your insurance agent or refer to your homeowner's policy to make sure you're covered! No one expects or wants to deal with roofing repairs, especially when you're not covered, that's why Atlas Construction Group is here to help guide you through the process. Submit a Free Inspection Form below and we will contact you to service your roofing needs!