What is considered storm damage to your roof?
Hurricane-force winds, which are classified by meteorologists as 74 mph or greater, or gale-force winds, which are between 39-54 mph, can cause visible damage to your home's roof. High winds can remove or tear shingles, leaving the underlayment, roof deck, or waterproofing material exposed to the elements.
Signs of storm damage to your roof:
- Missing Shingles.
- Visible Granule Loss.
- Visible Water Infiltration.
- Loose Debris.
- Missing or Hail-Damaged Shingles.
- Clogged or Broken Gutters and Downspouts.
- Ice Dams. ...
- Damage to Roof Supports or Accents.
What is classed as storm damage?
Buildings insurance policies usually cover financial loss caused by storm damage. We say that a storm generally involves violent winds, usually accompanied by rain, hail or snow. Any extreme form of bad weather has the potential to cause damage to a property.
What to Do After a Storm Damages Your Roof: 5 Steps to Take
- 1) Be careful and stay alert.
- 2) Assess the damage and take photos of the storm damage.
- 3) Call your insurance agent right away.
- 4) Stop further damage.
- 5) Stay organized and keep receipts.
Does homeowners insurance cover storm damage?
Homeowners insurance may help cover certain causes of storm damage, including wind, hail and lightning. However, damage caused by flood and earthquakes typically is not covered by a standard homeowners insurance policy. Coverage also usually includes damage from hail, wind-driven rain or snow that gets inside the home when a roof or wall is damaged due to wind.
If you have been affected by storm damage – please call our experts at SERVPRO of Sussex County today at 302-856-9768.