What Causes Roof Damage?
If your roof is damaged as a result of a storm, there is no reason to fret. In most cases, roof repair can be performed without zapping your budget. If the storm was particularly strong, roof replacement might be your best option. However, most people do not know what they should do after storm damage. Below, we identify the causes of roof damage, explain how to tell if there is roof storm damage and the best way to proceed.
Storm conditions have the potential to cause extensive roof damage. However, in some cases, it is the power of the storm’s wind that uplifts items that eventually collide with the roof, causing significant damage. In some cases, the sheer strength of the wind itself will lift shingles right of the roof. Sustained winds are especially likely to compromise the perimeter of the roof. If your shingles are not properly installed with the right adhesive seals, the damage stemming from a powerful storm will likely be quite severe.
When shingles are torn off the roof, they will leave the underlayment, roof deck or prior shingles exposed to nature’s wrath. In other cases, strong winds can lead to shingles that lift and subsequently curl. Once shingles are removed or compromised due to storm conditions, it is that much easier for water to move below and cause roof leaks. Furthermore, hail has the potential to put pockmarks and dent in shingles, dislodging the granules meant to protect against storms.
How do You Know if Your Roof is Damaged?
If you are still wondering “Is there storm damage to my roof?” you are not alone. This is the top concern of people throughout the greater Fort Worth, TX area after a powerful storm passes through. Unless you get up on a ladder to check out the integrity of your roof after the storm has passed, there will be no way to know the extent of storm damage roof shingles, if leak repair is necessary or if you need a full replacement.
However, it is possible to perform a superficial scan from the ground level. Walk around your home’s perimeter while keeping your eyes on the roof. If you notice curled shingles, shingles around the ground level of your home, a compromised chimney, damaged gutters or any other obvious forms of damage, your roof will require either repair or replacement. However, there is only so much you can see from the ground level. It is better to have a roofing professional climb a ladder to inspect the integrity of your roof in a truly comprehensive manner after the storm has passed. Additional signs of new roof storm damage every homeowner should know include cracked shingles, split seams, torn flashing and even portions that are blown right off the structure.
What do You do After a Storm?
Now that the storm is over, it is time to take a look for damage as detailed above. There is a good chance a powerful storm will either require repair or replacement so don’t assume your Fort Worth, TX home is perfectly fine just because it is still standing. Here’s how to proceed after the storm:
- Perform a superficial scan for noticeable damage
- Call your insurance agent to determine if you should file a claim
- Hire a professional roofer to perform an in-depth inspection on top of the roof
- Obtain an estimate for roof repair/replacement
- Determine when roof repair/replacement will be necessary
- Decide on the repair/replacement materials
- Let the experienced roofers perform the repair/replacement on your behalf
The best roofers in the business are willing to sit down with you to explain the importance of the necessary repairs/replacement. This is your opportunity to pick the roofer’s brain, ask questions and have your concerns addressed. From the optimal roofing materials to safeguard your home to financing options, warranties and scheduling, the roofer you select should be 100% clear about every aspect of this project.
How can I Tell When my Roof was Replaced?
In some cases, damage resulting from a storm makes it clear the roof was recently replaced or replaced at some point in the past. However, there is no concrete way to tell exactly when your roof was replaced unless the prior owner explicitly states the replacement date. There is nothing wrong with asking the prior owner when the roof was last replaced or if there is any roof damage by storm. Certain counties mandate the use of a building permit when a new roof is installed. If you can find the building permit through the building department, you might be able to pinpoint the exact date the roofing permit was provided. If the roofer you are currently working with replaced the roof in the past, ask for a copy of the receipt of workmanship. When in doubt, rely on a home inspector or roofing company to provide an estimate of the roof’s installation date.
Is Roof Damage Covered by Insurance?
In some situations, homeowners insurance covers roof damage. However, the cause of the damage ultimately determines if roof damage insurance claims prove successful. It is possible your homeowners insurance will help cover a portion of the repairs if a tree falls on the roof or if hail compromises the roof. To be more specific, the dwelling coverage of your homeowners insurance policy usually protects the home structure, including the roof, against perils/causes of damage. Examples of such perils include hail damage, wind and fire. It is also important to note the contents of your home beneath your roof are covered through personal property coverage. If the roof of a shed or other building next to your home is damaged, it might be covered through other structures protection within the overarching homeowners insurance policy as long as the damage results from a peril covered by the policy. Need help with your roof storm damage in Fort Worth, TX? Call 817-349-0016 for McStay Quality Roofing !