Between the paperwork and red tape, filing a claim with your insurance company for a roof repair can be confusing. It’s important for you to stay informed about the care of your home and ask questions about your insurance coverage, especially if you’re unsure how your insurance plan will affect your roof.
Top Answers from Our Roofing Experts
Leave your stress at the door. Our experts are qualified as GAF Master Elite Roofing Contractors to assist in your roof repair or replacement. The insurance process can be frustrating and complicated, but we’re here to help. Get the answers you need to the most common questions about insurance and roof repair.
- Who should I contact first if my roof is damaged?
- Does homeowner’s insurance cover roof damage?
- How much will insurance pay for roof repair?
- Will my insurance company cover a full replacement?
- If I don’t have insurance coverage, can I still get my roof repaired?
1) Who should I contact first if my roof is damaged?
If you notice a missing shingle or leaking ceiling, don’t wait to contact a representative at Royal Crown Roofing to schedule a free inspection. Small defects left untreated can cause more damage over time, which can directly affect your insurance coverage. After your roof inspection, our team will set up a temporary repair and assist you in the insurance claim process.
2) Does homeowners insurance cover roof damage?
Yes and no. The dwelling coverage section in your insurance policy involves the protection of your home structure, which would include your roof. Most homeowners’ insurance protects against a limited amount of perils such as fire, heavy winds, and hail damage. However, certain exclusions against windstorms or hail might exist in your policy and fail to cover your emergency roof repair. Insurance carriers consider it a homeowner’s responsibility to care for their roof. That being said, damages from a leaky roof or general wear and tear are normally not covered by homeowners’ insurance.
Pro Tip: Read your insurance policy to check for any exclusions that would affect your roof repair. Supplemental insurance might be required if the damage extends beyond your coverage limit.
3) How much will insurance pay for roof repair?
Fortunately, there is no cap for the amount of money insurance will pay if your roof is under 20 years old. However, the amount of reimbursement will be affected by your repair estimate and insurance adjuster’s opinion. Make sure your roof inspection includes a detailed list of repair costs to give your insurance an accurate estimate. If your insurance company fails to provide a fair estimate, be sure to ask for a reconsideration before you start repairing your roof.
4) Will my insurance company cover a full replacement?
If your roof is older than 20 years old, your insurance company will likely consider the roof too old to qualify for reimbursement. However, if your roof is within its recommended lifespan and the estimated loss is greater than its value, an insurance company will approve a full roof replacement. Depending on your policy, you might have to pay a deductible before your insurance company will pay the remaining replacement cost.
5) If I don’t have insurance coverage, can I still get my roof repaired?
Of course! The cost will vary depending on the type of roof repair, but our roofing contractors strive to provide high-quality service with competitive pricing. If you’re unable to pay upfront, we provide financing through nationally-accredited, Hearth. Whether you want to finance a portion or the full amount of your project, Hearth offers a variety of payment plans for your convenience.
The Benefit of a Roof Warranty
Unlike many roofing companies, our team is proud to offer a variety of workmanship warranties for the longevity of your roof. All of our roofing contractors are certified with GAF Master Elite Roofing to extend a lifetime warranty that is protected by GAF, the leaders in professional roof quality. If you’ve had your roof replaced by one of our contractors, you can rest knowing that any future damages will be handled efficiently.
Did we neglect to answer your insurance question? Connect with one of our associates to receive assistance with your roof repair.
Is your family preparing to sell your house and move? Are you a real estate agent looking to improve a property? Alternatively, are you just feeling particularly motivated to do some extensive home renovations? Whatever the case, one of your biggest goals is probably increasing your home’s curb appeal.
Upgrade Your Home’s Exterior
Whether you’re covering up damage or just upgrading, working on curb appeal gives your house a facelift and lets you enjoy your residence that much more. Depending on your budget and time commitment, you can take curb appeal pretty far and accomplish a good amount. Here are a few ideas to get you started:
- Repaint the outside
- Care for your lawn
- Get a new mailbox
- Clean your gutters
- Upgrade your roof
1) Repaint the Outside
Over the span of time, hail damage and normal aging can cause the external sides of the house to look drab and dreary. A fresh coat of paint can give the outside of your house a new life by covering up the damage and extending the life of the exterior walls. Deciding what color to paint the outside is a big decision.
Pro Tip: If your home is monitored by a homeowner’s association (HOA), contact them for approval before painting. Failing to get approval from your HOA may create future problems or unwanted fees.
2) Care for Your Lawn
There’s nothing more eye-catching than a front yard with green grass and blooming plants. Keep your lawn healthy by regularly trimming the grass, picking the weeds, and keeping all of the plants watered. If your area is particularly shaded, be sure to choose plants that don’t require too much sunlight. Be sure to care for your yard regularly so that you can prevent brown spots.
3) Get a New Mailbox
Did you know you can customize your mailbox? Unless your neighborhood has certain restrictions, the options are endless for what mailbox you could choose. From different materials like metal or plastic to different grains of wood, your mailbox is one of the first things seen when pulling up the driveway. Buying a new mailbox could be the one element that makes your house stand out from your next-door neighbor.
4) Clean Your Gutters
If you’re preparing for heavy rain, cleaning your gutters is an important maintenance step. Removing leaves and sticks from your gutters can help prevent roof leaks and in turn, can enhance your curb appeal by lessening the messy appearance.
5) Upgrade Your Roof
Depending on the age and type of roof, its recommended for homeowners to replace their roof every 20-30 years. Currently, asphalt shingles are the most popular and are offered with a number of different color options that can help accentuate the style of your home. If you’re not able to replace your roof entirely, consider having it repaired or cleaned to keep it in the best shape for you or any future homeowner.
Give Yourself a Newly Renovated House
Even a few changes or a few hours spent on restoration work can make a big difference in your home’s appearance and curb appeal. Once the job is done, you’ll have given yourself a house that’s at least partially new! Your home improvement efforts will not go unnoticed.
Connect with us to learn more about increasing curb appeal and your home’s value.
There’s no question that preventive maintenance work on your home can save you an immense amount of effort and money later on. It’s better to catch a problem when it can be easily handled than to let it worsen with time. However, your roof may be a different story. When is it appropriate to replace the entire thing, and when can you get by with just a few repairs?
Depending on the extent of damages, you may only need a cosmetic touch up or minor repair instead of a full roof replacement. However, choosing one solution too quickly does you no favors. Before you decide on the type of work your roof needs, it’s important to assess the damage and consult an expert.
Patching Over Minor Damage
Missing shingles can result in damage to the roof itself. Fortunately, homeowners may get lucky and only end up with a minor hole or weak spot in the roof. In this case, you may be tempted to think a quick patch will take care of the problem. This may seem like an easy fix, but you should always let an expert inspect the roof first. The damage may have spread further than it first appears. Additionally, adding patching an old roof in need of repairs with brand new roofing materials may just make the whole situation worse. Never assume a patch will fix the deeper issue.
Replacing Shingles or Tiles
If only a few shingles or tiles are missing, a quick replacement is probably all you need. Once again, however, the true answer depends on the rest of your roof. Does the damage extend into the structure itself? Are the other shingles on the roof buckled or peeling? Shingles are designed to last for decades, so if you notice the other shingles starting to fall apart, that’s a sign of serious damage below the surface.
Additionally, if you see granules from your asphalt shingles showing up on the ground or in your roof’s gutters, that indicates moderate to severe roof damage. Call a roof repair service immediately.
Pro Tip: Replacing only damaged shingles or tiles while ignoring the roof structure itself runs the risk of ignoring subtler problems. Always have the roof inspected too.
A Whole New Roof
Finally, there will be times when you can’t get away with mere repairs and have to settle for an entirely new roof. If your roof has recently suffered severe storm or water damage, the materials are deteriorating, or your home is simply old and in need of renovations, you’ll find yourself having a new roof installed. Your roofing contractor will help you determine the exact extent of necessary work.
Determining the Best Course of Action
Your roof is your home’s first line of defense against wind, rain, hail, and more. Even minor damages can be catastrophic if left untreated. Before you decide on whether to replace or repair your roof, make sure to consult with an expert on the best decision to prevent your house from sustaining further damage.
Connect with us to schedule your free roof inspection today!
A well-structured roof can last for years and take plenty of abuse from the weather. However, part of maintaining your roof’s lifespan is handling small incidents as they happen. If you’re beginning to notice that your roof leaks in heavy rain or even in a drizzle, it’s time for repairs.
A leaky roof is more than an inconvenience. The potential for severe water damage to the rest of your roof and to the house itself is too great to put off repairs too long. In the meantime, however, there are a few things you can do to keep the water from causing too many problems while you wait for emergency roof repairs.
Contain and Drain the Leak
If you can see a dripping spot on your ceiling, place a bucket underneath to catch the water. Once the initial dripping is contained, see if there’s a dark spot or bulge where the water is dripping from. More than likely, rainwater is pooling back there and will eventually burst out. With a little care, you can prevent this from happening. Stand on a ladder as close to the leak as you can and gently insert a screwdriver into the bulge or dark spot to drain the excess water. While you may see increased water flowing into the bucket briefly, this will prevent too much water from accumulating and causing further damage.
Temporarily Cover the Leak
Do this ONLY if you are confident you know where the leak is on your roof and if it is safe to climb on your roof. Locate the source of the leak and cover it as best you can with a waterproof tarp. If you can find the same leak inside your house, cover the interior with a tarp as well. While this is just a temporary fix, it will prevent the damage from worsening in the meantime. Even professional roofing companies can’t repair your roof in bad weather.
Pro Tip: NEVER climb on your roof during a rainstorm. Roofing material becomes slick when wet and you can easily fall.
Watch for Other Damage
Ignoring a roof leak will not make it better. Monitor your roof and the surrounding areas for any additional signs of damage. It’s probably time for a more intensive roof repair if you notice any of these warning signs:
- Dark spots or sagging on the inside ceiling
- Missing, broken, or warped shingles
- Clogged roof gutters or drains
- Missing roofing material around vents, chimneys, etc.
Emergency Roof Leak Repair
Once the leak is contained temporarily, call your local roofing contractor and schedule an emergency repair as soon as you can. Once the weather is clear enough for them to work, you should get the hole patched immediately. Don’t let your roof continue leaking and letting rainwater into your house.
Connect with us to learn more about temporarily containing leaks and inspecting your roof for damages.
A few short weeks ago in early May, severe rainstorms in Houston brought with them golf ball-sized hail, reaching the size of baseballs in some regions. If you were among the thousands of affected families, it may be time to have a professional inspect your roof and home for damage.
Drastic hail damage, such as smashed windows, is easy to spot and arrange repairs for. However, don’t assume you just got lucky if your home escaped severe damage. Even without knocking a hole in your roof or dislodging shingles, hail can leave subtler problems behind. A professional roof repair company can help you assess the total damage and decide whether a full replacement or a few repairs are necessary.
What is Your Roof Made Of?
Your roofing materials will help you determine the extent of the damage and potential repair costs. For instance, a metal roof will dent when exposed to heavy, rapid-fire hail. A minor dent might cause a little trouble with water flowing off your roof, while a major dent could be an indication of more severe damage underneath in your home itself. Meanwhile, clay or wooden shingles will split or shatter in a hailstorm, allowing damage to spread quickly.
Asphalt shingles, the most common roofing material, may lose granules during a hailstorm. In a severe case, the damage will be obvious. Other times, the missing granules will be so subtle that only a professional eye can spot them. Either way, missing granules indicate a high level of force from the hail and could be a symptom of more severe damage under the tiles. At the very least, the newly formed weak spot can turn into a leak.
What Will Your Insurance Cover?
Your roofing company can help you negotiate with your insurance provider and determine your next course of action. If the damage is severe enough that a full replacement is necessary, your insurance company will pay for a new roof. However, repairs get tricky. Some insurance providers consider certain minor repairs as cosmetic and not as critical as emergency storm repair. Your best strategy is to have your roof professionally inspected and then negotiate with your insurance company with an estimate in hand.
Pro Tip: From time to time, have your roof inspected even if you aren’t sure any damage has occurred. A professional opinion can help you prevent a minor problem from becoming worse in severe weather.
Is More Damage Likely?
Is local weather projected to get even worse and potentially damage your roof further? More importantly, how long can you really wait to fix the immediate problem? A few missing granules off a shingle ultimately require a new shingle, but your roof won’t start leaking immediately. On the other hand, missing shingles or leaks require immediate attention. Talk with your roofing contractor for a long-term plan and timeline for your roof repair.
Repair or Replace the Roof
Ultimately, your decision to replace the whole roof or pay for a few repairs will depend on your roof builder’s suggestions, the extent of the damage, your insurance’s contribution, and the likelihood of things getting worse. Different circumstances call for different solutions. Find the solution that works best for your situation.
Connect with us to schedule your free roofing inspection today and have a professional assess the damage to your roof.
A well-built roof is your home’s first line of defense against heavy rain, hail, and other damages from severe weather. But what happens when the roof takes damage? Depending on the severity of the storm and the extent of the damage, you will likely have to take action quickly to repair your roof.
When your roof has suffered storm damage, the best course of action is to determine how bad the damage is and contact a professional roof builder immediately. Don’t delay! The longer your roof sits unrepaired, the more likely you are to suffer further damage in the meantime.
Assess and Document the Damage
As soon as it is safe to do so, go outside and perform a self-assessment of your roof damage. Take pictures to document everything for insurance purposes later. A few missing or dislodged shingles might not need repairs quickly, but huge patches of missing shingles or cracks in the roof need immediate attention.
Contact a Professional for a Repair Estimate
Once you know the extent of the repairs you’ll likely need, contact your local roofing company for an estimate on repair cost and time. If the same company built your roof originally, talk to them about their warranties and insurance. How much of the payment will come out of your pocket? Contact your own insurance company as well to see what they will cover.
Pro Tip: If your local roofing company can’t perform repairs immediately, ask for a temporary fix or covering to prevent further problems with your roof.
Don’t Hire a Storm Chaser
Above all, don’t get scammed! After severe weather damages several local houses, “storm chasers” often appear out of the woodwork offering quick roofing repairs. However, very often these companies perform subpar repairs or none at all and just disappear with homeowners’ money. If a roofing company you’ve never heard of tries to solicit your business, ignore them. More than likely, they’re trying to scam you. Stick with a verified roofing company you can trust to actually help you.
Dealing with Severe Weather Damage
Don’t let your storm-damaged roof sit in disrepair and continue allowing the elements into your home. Get in touch with a professional roofing repair service and keep the problem from worsening. Your newly repaired roof will be able to withstand future storms.
Connect with us to learn more about the storm damage repair services we offer.