Regardless of where you live, storms occur. A thunderstorm, wind storm, hurricane, tornado or another type of storm can damage your home in many ways. These include roof and siding damage. Proceeding with quick repairs ensures your home won’t sustain further damage. Damage from weather events causes 51 percent of the damage that results in insurance claims and produces the costliest damage.
Get Your Roofing Repaired
While some roof damage occurs slowly over time, other damage occurs quickly such as roof damage from ice dams. Wind and ice dam damage to roofs are two of the four most common storm damages to a home.
A healthy roof can sustain quick damage in a storm that can cause curling or buckling of shingles, leaks or sags. A roof leak lets water into the interior of the home and can cause mildew and mold damage to it. Inspecting your roof right after a storm can help you quickly spot damage and obtain repairs before it worsens. A simple repair job costs much less than roof replacement which in the US runs about $27,000. While you walk around your home to check the roof, examine the siding and gutters, too.
Replace Your Missing Siding
You might not realize just how protective your home’s siding is unless you go without it for a while. Siding offers numerous benefits that you want. Fortunately, there are plenty of ways to go about replacing it if it gets broken or torn off.
Strong winds or rains can rip off siding or damage it. Hail can dent and tear siding. Your home needs its siding to protect its underlying structure. Without it, water can reach the interior of walls, causing mildew and mold damage. It can also rot the two by fours that comprise the frame and the particle board that makes up your interior wall face. On many older homes, siding covers clapboard which may have rotted or developed leaks. The siding is the only thing protecting the interior walls due to the aged wood.
Storm Damage and Insurance
Your homeowner’s policy may cover the roof and siding damage. Check your policy to determine what hazards it covers and any noted exceptions. It also includes the deductible amount you’ll need to pay before insurance will contribute.
After Hurricane Katrina, some insurance companies changed the damage coverage rules no longer cover cosmetic damage. So, those companies will not cover things like dented siding that remains functional. On the other hand, most policies cover ripped off siding and missing roof shingles as they expose the underlying home to the elements.
When storms damage your roof or siding, contact your insurance company immediately. Also, contact a few contractors for repair estimates. Repair damage as soon as possible so it won’t get worse!