An ice dam is a sign of potential roof damage in colder climates. Ice dams form when the snow melts and then refreezes at the edges of your roof, preventing proper drainage. The trapped water can seep under your shingles and cause significant water damage over time.
Damaged Roofing Material
A visual inspection of your roofing material can reveal signs of storm damage. Look out for visible damage like torn roofing screens, loose weather stripping, or punctures in the roofing material.
Signs of Moisture
Moisture is a silent enemy for many homeowners. If left unchecked, it can cause dangerous mold and structural damage. Signs of moisture penetration include a musty smell, visible mold growth, or dark spots on your ceilings or walls. The best roofing companies will do a thorough inspection beyond the visible signs to determine the damage’s extent.
In severe storms, large objects like trees or parts of other buildings can strike your home, causing immediate and obvious structural damage to your roof. Such damage requires immediate attention from a roofing contractor.
After a storm, check your gutters. They could be clogged with debris, such as leaves, branches, or shingle granules. Clogged gutters can cause water to back up and pool on your roof, leading to potential leaks or even structural damage.
How Insurance Companies Assess Storm Damage Before Compensation
After a severe storm, your first step might be to contact your insurance company to report any roof damage. Understanding the process an insurance company follows to assess the damage is critical. Here’s how most insurance companies carry out their assessments.
Contacting the Insurance Company
The process begins when you, the homeowner, contact the insurance company to report damage. The insurance company records the claim and assigns an insurance adjuster to the case. The adjuster’s role is to investigate and evaluate the damage.
The adjuster visits your home to conduct an inspection. During this visit, they evaluate the extent and cause of the damage. The adjuster will take photos, make notes, and sometimes take measurements. They may examine your home’s interior and exterior to determine the damage’s total extent.
It’s crucial to note that you should also have a local roofing contractor present during the adjuster’s visit. The contractor can provide a second opinion and ensure all damage is properly noted. This is especially important because some damage, such as hail damage or granule loss on shingles, can be difficult to spot.