Wind damage is a common occurrence during strong storms, and homeowners should be aware of the potential damage to their roofs. If you live in an area that recently experienced high winds, such as the 70 mph storm in Sacramento, it’s important to inspect your roof for damage and to know if you qualify for a complete roof replacement under your home insurance policy.
Request A Roof Inspection
The first step in inspecting for wind damage is to safely inspect the exterior of your home, including the roof, gutters, and siding. Look for missing or damaged shingles, cracked or broken tiles, and dented or bent metal roofing. Additionally, check for any damage to the chimney or skylights, as well as to the gutters and downspouts.
If you find any signs of damage, it’s important to document it with photographs or video. This documentation will be crucial if you decide to file a claim with your insurance company.
Once you have assessed the damage, you need to determine if it is covered by your home insurance policy. Most standard home insurance policies provide coverage for wind damage, but the amount and type of coverage may vary. For example, some policies may only cover the cost of repairing the damaged roof, while others may provide coverage for a full roof replacement.
To determine if your policy covers a complete roof replacement, you should review the details of your policy, including any exclusions or limitations. It’s also a good idea to speak with your insurance agent to understand the coverage you have and to determine if you need additional coverage for wind damage.
You Need Evidence Of The Damage
In order to file a claim for wind damage, you will need to provide your insurance company with evidence of the damage, including the photos or video you took during your inspection. You will also need to provide a detailed description of the damage, including the location and extent of the damage.
Once you have filed your claim, your insurance company will send an adjuster to inspect the damage. The adjuster will determine the cause of the damage and will assess the extent of the damage. If the adjuster determines that the damage is covered by your policy, they will provide you with an estimate of the cost to repair or replace the roof.
If the estimate for a complete roof replacement is approved, your insurance company will arrange for the work to be done. This may involve working with a roofing contractor or other professionals to repair or replace your roof. Your insurance company may also provide you with a temporary roof or other interim measures to protect your home while the work is being done.
It’s important to keep in mind that there may be deductibles and other out-of-pocket costs associated with a roof replacement due to wind damage. You should review the details of your policy and speak with your insurance agent to understand what your costs may be.
We Can Help You With The Entire Process
If you live in an area that recently experienced high winds, it’s important to inspect your roof for damage and to know if you qualify for a complete roof replacement under your home insurance policy. If you do find damage, document it, file a claim with your insurance company, and be prepared to provide evidence of the damage and a detailed description of the extent of the damage. With the right coverage and the right steps, you can get the help you need to repair or replace your damaged roof.
