Natural disasters like thunderstorms, hurricanes, and tornados can cause wind damage to your home. Wind damage can happen to anyone and could cause roof leaks and other forms of roof damage. Your homeowners insurance will often cover wind damage, but you may need to sign up for wind insurance. Wind Insurance is important, especially for those who live in higher-risk areas, to protect your property.
It can be overwhelming when dealing with roof damage between filing an insurance claim and dealing with the damage. So, keep reading for steps to help simplify the process.
Assess the Damage
When conditions become safer after a storm, you will want to inspect your roof immediately. Check for any missing, cracked, or other damages to the roof.
It is possible to DIY some repairs to your roof, but do not try to do repairs yourself if there seems to be extensive damage. Instead, you will need to hire a professional who will have the experience and tools to assess and do repairs to your roof.
It is essential to check your attic for damage because you can assess potential roof leaks. Another way to determine if your roof may have been damaged is any brown, yellow, or gray water spots or cracks in your wall paint or paper.
Find a Contractor
After assessing your roof damage, it may be necessary to call in a professional to repair your roof. A public adjuster can help and guide you through the claim process and the repair process. Also, a public adjuster will have many connections to reliable contractors.
Always get an estimate from a licensed contractor and speak to your public adjuster about making an insurance claim for your damaged roof.
Be Prepared
To protect your home from future wind damage, you should have your roof assessed before high winds are predicted in your area, keep trees trimmed, and remove or secure any loose items like outdoor furniture, BBQs, fountains, and trash cans.
Those who live in mobile homes need to take extra precautions. Mobile homes can take on more damage when wind speeds reach 80 miles per hour. Confirm that your insurance covers wind damage and consider taking shelter elsewhere during the storm.
Inevitably, wind damage can happen to your home due to a storm or other severe weather events. The best way to be prepared is to insure your property with wind insurance.
About Brooks, Todd & McNeil
Since 1839, the independent agents at Brooks, Todd & McNeil have been pleased to offer our community the best and most affordable policies from a variety of providers. Our dedicated facilitators are ready to put their 75 years of combined experience to work on your claims. To learn more about our products and services, contact us today at (800) 448-4567.