Each week news outlets and weather channels report on major storms moving across the country. Depending on where you live, these storms can deliver heavy rains, strong winds, or massive snowfalls, all of which can damage a home’s roof. A home is a valuable asset, and when problems occur, homeowners are often left feeling vulnerable, not knowing what to do. To prevent additional damage, you’ll want the repairs completed promptly and correctly. Here are four steps you can take to protect your investment.
- Inspect the Perimeter
As soon as possible, walk around your home and document any visible damage. Before removing debris or making temporary repairs, take lots of photos. Don’t forget to examine the gutters, windows, and soffits. Annotate the date and details of the storm. This information is helpful when contacting your insurance provider.
- Call a Professional Contractor
Most reliable contractors offer free inspections and estimates. Spend time researching local contractors by reviewing Better Business Bureau ratings, social media reviews, and testimonials. Because undiscovered damage can cause future problems, a professional contractor should do a thorough inspection of the exterior and go inside the home to check for leaks in the attic or ceiling. A contractor who performs storm damage roof repair Denver CO knows what to look for.
- Contact Your Insurance Company
Don’t sign contracts or commit to repairs until speaking with your homeowner’s insurance provider. Ask your insurance carrier about the policy coverage for the type of damage sustained, your policy, limits, and deductibles. Use this information to determine whether to file a claim. Your insurance agent can instruct you on the requirements of your policy.
In most cases, the insurance company will send out an adjuster to inspect the damage and offer a settlement. If possible, have the contractor who performed the inspection available on site to discuss the damage and estimated repairs. Adjustors often leave off items they are unfamiliar with, such as those required by local code. Unforeseen expenses can leave you with increased out-of-pocket costs.
- Request a Signed Contract
Before the work begins, get a signed contract from the selected contractor. The agreement should cover the estimated time to completion, costs, payment terms, and warranty. Never pay in full until the job is completed.
Stormy weather can sometimes wreak havoc on your property. If the unfortunate happens, protect your investment and follow the steps above to make the best decisions for your roof’s proper repair.