Preparing Your Roof and Homeowners Insurance for Storm Season

Roofing professionals and insurance experts are advising homeowners to proactively assess their roofs for potential issues as storm season approaches. By identifying and addressing minor problems early, homeowners can prevent significant damage and avoid financial implications.

Colt Pruente, an estimator with Absolute Roofing, noted a decrease in the demand for inspections and repairs this year compared to last. With impending storms, he emphasized the importance of spotting and repairing small issues. Pruente recounted a situation where a roof vent had blown off, leaving a substantial hole undetected until an inspection was scheduled. This underscores the necessity of regular roof checks.

Standard storms, with winds reaching 60 mph or accompanied by quarter-sized hail, can damage roofs. Homeowners can conduct preliminary inspections both inside and outside their properties. Signs of interior roof damage include stains or water drips on ceilings, while exterior checks may reveal missing shingles or other visible irregularities.

John Schaeffer, an insurance agent at The Resource Center, highlighted the role of homeowners' insurance policies in covering storm-related roof repairs. He advised homeowners to understand their deductibles, using them as a benchmark for filing claims. Schaeffer explained that minor damages, such as a few missing shingles, may fall below the deductible and be the homeowner’s responsibility.

When considering filing a claim, Schaeffer recommended consulting a qualified local roofer to determine if the damage justifies an insurance claim. He cautioned against frequent claims, noting that even claims without payouts could negatively affect the homeowner's insurance standing.

For extensive damage requiring full roof replacement, Schaeffer advised checking whether the policy provides for a complete replacement or if coverage is limited to the actual cash value, dependent on the roof's age. He illustrated this with the example of a significant discrepancy between the cost of replacing an aged roof and the payout provided by an insurance company.

Both Pruente and Schaeffer emphasized the importance of having funds or credit available to manage repair costs. They encouraged homeowners to arrange for inspections and review their insurance options ahead of the storm season. Homeowners seeking more information on insurance specifics or wishing to arrange for a professional inspection should contact their insurance agent.