Early Spring Wind Damages? Here are some tips ..
The most common weather elements that hurt your roof are wind, hail, falling trees, and rain.
Our first Instincts is always to call our Insurance Company when an accident has happened but they end up giving us the run around than actually helping. Here are some of their tactics.
An insurance company may drag out the time it takes to investigate a claim before agreeing to pay. This tactic is done to see if the policyholder will just give up pursuing the claim. Most state’s set deadlines for an insurance company to accept or deny a claim, ranging from 15 to 60 days.
An insurer could fail to disclose the existence of coverage so they don’t have to pay you. Your insurance company fails to notify you of a claim filing deadline and doesn’t provide the papers necessary for you to complete your claim on time.
Insurance companies can’t avoid paying a valid claim to bolster their own profits. Tactics such lowballing or offering less money than a claim is worth is an act of bad faith.
Insurance Companies are hassles and sometimes not trustworthy. Karma Home Designs is an expert in communicating & negotiating with all various Insurance Company. By signing a representation agreement we can make sure your Insurance Company is held responsible. Insurance companies are required by state law to only use fair claims practices. If the insurer denies a claim that should be covered by the policy this action could qualify as bad faith.
Different examples of damages
Wind can blow shingles right off your roof, leaving it vulnerable to water intrusion. Water can seep into damaged underlayment and begin to rot the decking below. Even a small number of fallen shingles can lead to extensive water damage. Simply nailing shingles back down on damaged decking will not solve the problem. It is important to find out the status of the underlayment and decking when shingles blow off in a storm; otherwise, you may have additional problems down the road. Shingle loss may or may not require a roof replacement, depending on the number of shingles that have blown off, the extent of the water damage, and the age of the roof.
Hail smashing into the top of your house strips the granules off your shingles. This matter because granules protect your roof from UV rays, which will prematurely age the shingles, leaving them more vulnerable to cracking and blowing off and ultimately allow water to seep in through the roof.The fewer granules on your shingles, the lower its level of UV protection and the quicker the roof will age and need replacement. To determine if your hail damage is worth a roof replacement, insurance adjusters follow a certain formula of how many hits your roof has taken per 100 square feet.
Falling trees can damage and poke large holes in the roof’s structure, opening the home up to water and wind damage if the storm is still roaring outside. If the damage is localized, it is likely that the damaged area can be rebuilt, especially if the roof is relatively new and, as such, more resilient to breakage. However, the extent of the tree’s impact may lie beyond any visibly harmed areas, as the open hole may have allowed water to seep into areas that don’t appear to have suffered a direct collision.
A fallen tree can also continue to fall into the roof after its initial crash. If it is safe to leave, whenever a tree has fallen on a home, all members of the household need to get out of the home immediately since further invasive damage may be shortly to come.
Examining the Damage
The most common result of wind damage is leaking water. Karma Home Designs recommends heading up into your attic to investigate firsthand. After a storm or strong winds; homeowners should primarily look for water damages. “The vast majority of the time it’s very evident, like a big water stain on your ceiling or damp insulation, but a lot of times, you can have leaks that are not large enough to soak the insulation and stain the ceiling,” KHD explains.
Tarping your Roof
A temporary but effective fix while you are waiting for your contractor to show up. “The most important thing homeowners can do if they experience wind damage that needs to be repaired is to tarp the roof. You can head down to the local home supply store and purchase a regular roofing tarp. Once you obtain a tarp, it’s not enough to simply place it over the damaged spot, because it can easily blow off.
You need to go a step further and secure the tarp. This is done by edging the entire perimeter of the tarp with two-by-four boards and nailing them to the roof. This damaged area of the roof likely needs to be replaced anyway, so it is OK to pound some nails here,” Karma Home Designs says. “It’s best to use boards and not just nail directly into the tarp itself, as boards provide a larger surface to secure the tarp and keep it from blowing off until repairs can be made.”
Your rood can have minor or major damages like the images above. It is still important in every scenario to have it checked out by a professional to avoid future problems.