Hail & Storm Damage FAQ
Storms are inevitable. There are times when these storms can cause damage to your roof from things like wind or hail. When roof storm damage happens, it is crucial to address the issue quickly. If left unaddressed, roof storm damage can lead to further damage throughout your home or business. Contact Davis Roofing and Construction right away to help repair and protect your home.
To learn more or to receive a roof inspection, contact us today at (630) 948-5000
What are some common questions regarding storm damage to your roof?
How Can I Know If I Have Roof Storm Damage?
Sometimes damage is obvious. You may see signs of missing shingles, visible holes in the roofing, or even water damage in your ceilings and walls. If you see any of these signs, don’t wait to have them repaired! Waiting will put your home at risk major damage throughout your house. Not all damage is obvious though. If you experienced a bad storm that included high winds (or even a tornado), hail, lightning strikes, or other severe conditions, you should consider scheduling an roof inspection. Our expert staff can ensure your roof’s integrity or provide you with a plan to restore it.
How Does Insurance Work With Storm Damages?
Storm damage is commonly covered within homeowners’ insurance policies. However, to what level your roof is covered will depend on your policy. If you would like to use your insurance, you will need to contact them and get us in touch with your adjuster. We will be able to provide the services they cover or work with you and the insurance provider to cover the services you would like to have completed. For example, your policy may not cover storm damage roof replacement if a certain threshold of damage has not been met. The adjuster may approve shingle repair or replacement in the damaged areas only. You may then choose to work with them to apply the value of that service and cover the difference for a full replacement service.
Why Should Davis Roofing & Construction Meet With The Adjuster?
When we meet with the adjuster, we will be able to assist them with their inspection. We will advocate for you to ensure you are provided the best solution possible. Our team will also be able to provide the adjuster with our inspection report to help them ensure a complete picture of the damages.
Do I Need To Be At The Inspection?
If the inspection is only going to be on the exterior, you do not need to be there. Our staff can meet with the adjuster and complete an exterior inspection. Upon completion, we can meet with you to provide you with our report and recommendations. With an inspection that involves the interior of your house, you will need to be present.
Will There Be An Impact To Insurance Premiums?
Insurance may be impacted after a claim. If the repairs cost the company thousand or even tens of thousands of dollars to complete, your provider may choose to raise your rates. It will be up to you to work with your insurance company throughout the process to best understand the financial impact.
Who Will Be Paid By The Insurance Company?
Your insurance provider will make payments to the policy holder. This payment needs to be used for the roof repair, or it may be considered a fraud if withheld. It will then be you or the policy holder’s responsibility to handle the payments to Davis Roofing & Construction.
Why Does The Insurance Company Require Multiple Estimates?
Insurance companies want to make sure they are only covering what needs to be repaired. As such, they will usually require multiple estimates to make sure they are not covering more than what the policy covers. Providers also want to ensure that the estimates fall within expected market rates for the expected repair. This is also to protect you from companies who try to charge more that what is required.
What Happens If A Roof Storm Damage Claim Is Denied?
Not all claims recieve approval. Sometime a company may determine that the damage does not fall within your coverage parameters. When this happens, you can request a re-inspection and new estimate to see if there is something that can change to have the repair covered. If your provider determines that you will not receive coverage for the repair, than it will be up to you how to proceed with the repair at your expense.
Are There Financing Options?
Yes, we understand that a roof replacement and repairs are expensive. We also understand that most homeowners can’t pay the project in 1 payment. We will work with you on a payment plan to help cover the job, including interest free financing for roof replacement!
Do You Think Your Home May Have Roof Damage From A Recent Storm?
Damage to your roof never comes at a good time, so don’t face the issue alone. We have seen everything Chicago weather can throw at you, so let our expert staff help you. Don’t wait until it’s too late, contact us today for a free inspection at (630) 948-5000.