Storm damage isn’t as straightforward as other types of roofing damage, which is why myths about it are still circulating. In this blog, local roofing contractor Moss Roofing, examines some pervasive myths about storm damage.
The Roof Doesn’t Look Damaged; Therefore, It’s Not Damaged
As we mentioned above, storm damage isn’t always a straightforward problem. More than a few homeowners have made the mistake of not calling their insurance provider or roofing contractor just because their roofs looked intact. They find out later that minor damage has turned into bigger ones. Even a small crack, dent, or puncture can turn into a major leak if not spotted early. Regardless of what your roof looked like after a storm, call your roofer for a thorough inspection.
Storm Damage is Covered by My Roofing Warranty
Many of today’s roofing systems are warranted against wind damage, but fewer, if any, are warranted against storm damage. Some warranties explicitly list hail and storm damage among its exclusions. This is why you should contact your trusted roofing company and insurance provider right after the weather clears. If you live in an area that’s often hit by storms, ask your contractor if they offer warranties for storm damage. Set your expectations that storm damage coverage will likely cost extra.
My Insurance Rates Won’t Go Up If I Don’t File a Claim
Insurance companies can raise everyone’s rates after a storm hits, whether or not you file a claim. You’ll still end up paying whatever rates they set. There are many reasons why you should file a claim, regardless of how your roof looks. As we discussed earlier, your roof needs to be inspected by a roofing professional, even without apparent signs of damage. If the roof is determined to be in need of repairs, no matter how minor, then a claim must be filed. Even with deductibles, the out-of-pocket repair expenses would be much lower. The good news is, you will end up with a roof that’s in its top condition.
Moss Roofing is your leading provider of residential and commercial roof installation and repair services. Give us a call at (317) 207-4778 or fill out our contact form. We serve customers in Fishers, Greenwood, and Indianapolis, IN.