Storm damage to your roof can sometimes be seen from the ground, such as raised or missing shingles. However, hail damage to shingles is not visible from the ground and many times wind-creased shingles are not apparent either. If you have recently been through a hail and/or wind storm, it is best to have a trained professional inspect your roof, even if you cannot see any obvious damage. All of our inspection are free of charge.
Wind damage can cause shingles to crease and in time, the shingles may blow off. Hail damage results in a granular loss. When there is an absence of granules, there is nothing to protect the matting from harmful UV rays. This can cause premature aging, possible leaks, and mold. Storm damage will also void most shingle manufactures warranty. Ask us how we can help you get a better warranty/product that will supersede wind damage and impact resistance to your roof.
Most insurance companies have a limited claim period. Typically if you have not filed a claim and had all repairs completed within one year of the storm date, they will not pay you the depreciated amount. This will be considered negligence and may disqualify you from being awarded your claim. It is very important and required by the insurance company that you are represented by a licensed professional before you file the claim.
Yes & No. FEMA gives federal assistance to any insurance companies to help lighten the load. Due to this support, you are prohibited from being penalized. However, insurance companies can and will come up with other excuses to raise your rates, such as previous or excessive claims and area demographics.
Each insurance company has its specific policies but, typically, your premium will not increase because the damage to your home is a result of a natural disaster. However, insurance can use prior filed claims and inflation against you.