What Should I Do If My Roof Was Damaged After a Storm?
Before you call your insurance company, it may be in your best interest to consult with a roofer who possesses proven experience in the roof storm damage claim process. The team at Perkins Roofing has the experience and insider knowledge to help homeowners file successful insurance claims and will provide free roof damage consultations to ensure all damage is properly and thoroughly documented to increase the likelihood of a successful claim.
The Typical Covered Roofing Perils in Homeowners Insurance Policies
- Wind damage
- Hail damage
- Fire damage
- Lightning damage
- Falling objects and debris damage (commonly tree branches)
- Snow and ice damage
- Vandalism
Typically, homeowners insurance only covers sudden damage. If the event could be considered preventable, your chances of securing compensation for the damage are low. Types of roof damage that aren’t covered by homeowners insurance include damage due to normal aging, wear and tear and gradual decline due to a lack of maintenance. Alternatively, flood and earthquake damage fall under a separate policy, so while they can be reimbursable, you won’t receive compensation for them from your homeowners policy.
Immediate Next Steps You Should Take
It’s important that claims be accompanied by ample photos and videos of the damage. This should include both the roof and any other parts of your home affected by the storm, like shattered windows or damaged walls. It’s imperative that you work with a qualified roofer to gather documentation – under no circumstances should you get on your roof, especially if its integrity may have been compromised. Without the expertise and training required to work on a roof safely, homeowners are prone to slip off and suffer severe injuries, if not catastrophic ones. They also run the risk of causing additional damage that might not be covered by an insurance claim.
The licensed and insured roofing professionals at Perkins Roofing provide free roofing inspections to help homeowners bolster their claims. We will safely and efficiently assess the damage, document the evidence and provide a fair estimate for the repairs you’ll need to strengthen your storm damage claim.
Our team will also help you contain the damage, laying tarps to cover holes and prevent additional rain from pouring in and further damaging your attic and home interior. It’s often best to leave the roof generally untouched until an insurance adjuster can see the damage in person while evaluating your claim.
We have years of experience helping homeowners through every step of the claim filing process and can provide the expertise you need to augment your storm damage claim.
What Are Storm Chasers?
Storm chasers, or fly-by-night roofers, are door-to-door scam roofing companies that often appear right after a storm. They’ll come to homeowners in The Woodlands promoting a Roofing Deductible Assistance program that gives homeowners a “free roof”. In actuality, they’ll send false claims to homeowners’ insurance providers to make it look like the deductible was paid when it wasn’t. Making false claims is illegal and can lead to felony charges and jail time for not just the company but the unsuspecting homeowner. The door-to-door salesmen know this, which is why they typically shut down and leave town before the consequences catch up with them, leaving homeowners with the scam’s fallout.
Suffice it to say it’s crucial to hire only trusted and vetted roofers with a history of serving The Woodlands community for many years.
What If My Roofing Claim Is Denied?
Storm chasers can be especially effective if a homeowner’s storm damage claim was denied. Claims are rejected for a variety of reasons, from insufficient evidence to policy lapses. Filing an appeal with additional documentation and context provided by an experienced roofer often rectifies the issue, but if your claim is once again denied, or if the compensation you received won’t cover the full cost of the roof replacement, the financing team at Perkins Roofing can help.
We partner with EnerBank to provide homeowners with flexible financing and competitive interest rates – without application and appraisal fees or collateral requirements that can put your assets at risk. We put our customers first in everything we do to make roof replacement stress and hassle-free.
Hire a Team of Licensed and Insured 24/7 Emergency Roofers in The Woodlands
At Perkins Roofing, we offer residents of The Woodlands comprehensive storm response services. Our team will provide you with an honest assessment of your roof damage. If you don’t need to replace your roof yet, we’ll let you know and make the necessary repairs promptly. If a storm has thoroughly damaged your roof, we’ll work fast to contain the damage and restore your home as soon as possible.
Call (832) 702-0201 and receive reliable, long-lasting solutions for your roof damage after a storm.
