Winston Salem Roofing: Article About Storm Damage Basics
Most homeowners have experienced damaging winds, hail and torrential rains that have caused varying degrees of damage to the roof of their home. While some minor damage might be easy to fix, some storm related damage can be quite extensive. Whether part of the roof has been ripped away or a metal roof is dented from hail or flying debris, it is important that homeowners know what is covered by their insurance and what is not.
Insurance policies can vary tremendously, so it is imperative that homeowners read through their policy and ask questions long before there is a problem. An insurance company might limit coverage to roofs under a certain age, or they might exclude cosmetic damage. It is also possible that they might only allow the roof to be patched rather than covering the cost of a new roof, even when the existing roof has received extensive damage.
It is important for a homeowner to know their policy and understand how a Winston Salem roofing contractor can help them get the most from their coverage. When an insurance claim is filed, the insurance company will send out a claims adjuster or appraiser to assess the damage; however, they will also be assessing other aspects of the roof. They will look at the age of the roof as well as the materials that were used for roofing, preexisting damage and even whether the roof was covered with obsolete materials.
Have a question regarding metal roofing or residential roofing? Please ask Winston Salem NC roofers from ABC roofing & Exteriors today.
A reputable roofing contractor can be an important factor in helping a homeowner receive a fair settlement. Most homeowners do not have sufficient experience or knowledge in roofing materials and practices to successfully negotiate with an insurance adjuster; however, a professional contractor can be a valuable asset during the crucial inspection phase of an insurance claim.
A knowledgeable contractor might be able to alert the insurance claims agent to problems that might have been overlooked, such as the need for new flashing around a chimney or vent. Additionally, an experienced contractor will be able to offer important guidance for the homeowner once a settlement has been reached.
Depending on the extent of the damage, it might be urgent for the roof to be repaired or replaced as soon as possible. Homeowners who already have a good working relationship with a professional contractor will be ready to move forward and get estimates for repairs or replacement of their roof. Choosing a professional contractor can help ensure a homeowner is able to get their roof fixed as quickly as possible.