Killeen Roofing: Article About How To Handle Storm Damage
Whether it's a ravaging hail storm or heavy winds, storm damage can leave homeowners uncertain as to how they should proceed. It's clear that the damage will need to be fixed as quickly as possible, but it is also important that the homeowner contact their insurance provider before any work can begin.
The claims process can be confusing, but many Killeen roofing contractors are well equipped to help a homeowner navigate the often confusing and frustrating process. The first thing a homeowner will need to do after a storm is determine if they have any type of roof damage. If there is damage to the roof, it's time to contact their insurance company and file a claim. This should be done as soon after the storm as possible.
Most homeowners have some type of homeowners insurance; however, policies can run the gamut from basic coverage with an ACV, Actual Cash Value, policy to very comprehensive coverage with a replacement value policy. Additionally, the deductible will play a role in the amount of coverage an insurance company provides. Other factors, such as the age of the roof, type of damage and insurance riders added to the policy will also impact insurance coverage. In short, every homeowner's insurance coverage will vary, so it's important to understand exactly what type of coverage one has so that there are no surprises when it becomes necessary to file a claim.
The expert roofers at Tony's Roofing of Killeen can assist you with any questions regarding insulation or commercial roofing.
Once the insurance company is notified, they will schedule a time for an adjuster or claims expert to come out and evaluate the roof damage. This inspection will determine how much the insurance company will pay on the claim. Of course, any payment will be made after the deductible is met.
It's understandable that a homeowner will be anxious to move forward with repairs, but it is imperative that they wait until after the insurance adjuster has made their assessment. Once that is complete and the insurance company makes a settlement, the homeowner can hire a roofing contractor to take care of the damage.
A reputable roofing contractor will be able to take care of any deck damage, lay new underlayment, if necessary, and replace missing shingles. If the roof is too damaged, a complete tear off and installation of a brand new roof might be necessary. Regardless of whether it's something as simple as replacing a few missing shingles or as extensive as a complete blow off, it is important that homeowners do their research and hire a qualified roofing contractor with a solid reputation for excellence.