AFTER THE STORM
Immediate Steps to Take
Stay Safe
Ensure your safety first. Avoid climbing on roofs or walking under damaged structures. Be cautious of downed power lines and standing water.
Document Everything
Capture photos and videos of all visible damage from the ground. Include roof, siding, gutters, fences, A/C units, vehicles, and windows.
Make Temporary Repairs
Use tarps for active leaks and board up broken windows. These emergency repairs are typically covered by insurance. Keep all receipts.
How to Check for Damage from the Ground
Gutters and Downspouts
Look for dents on gutters, downspouts, or A/C units as soft metals show hail impact first.
Shingles
Check for missing or visibly damaged shingles.
Granules
Observe granules collecting in gutters or at downspout discharge, resembling coarse sand.
Painted Surfaces
Inspect for dents or chipped paint on window sills, garage doors, or painted wood surfaces.
Window Screens
Look for cracked or broken window screens.
Fencing and Mailbox
Check for damaged fence boards, gate hardware, or mailbox.
Vehicles
Examine car hoods and roofs for dents; if your car is damaged, your roof likely is too.
Professional Inspection
Consider a professional inspection for hidden damage not visible from the ground.
Understanding Hail Damage
The Hidden Threat to Your Roof
Hail damage on shingles often goes unnoticed from the ground, as it manifests as small, circular bruises where protective granules are knocked off. This exposes the underlying fiberglass mat, compromising the shingle's integrity and reducing its lifespan. Professional inspections are crucial to identify these issues early, ensuring your roof remains robust and your home protected.
Beware of Storm Chasers
In the aftermath of a storm, many homeowners are approached by out-of-town contractors, known as storm chasers, who offer quick fixes at seemingly low prices. However, these deals often come with hidden risks. Storm chasers may pressure you into signing contracts without proper consideration, offer to waive deductibles (which is illegal), and lack local references or a permanent office. To protect yourself, always choose a local contractor with a proven track record. Verify their credentials, check their BBB rating, and ask for local references. A reputable contractor will prioritize your needs and ensure quality work.
Step 1
Contact a Local Expert
Reach out to a trusted local contractor like M&S Construction and Roofing for a comprehensive roof inspection. Their expertise will help you understand the extent of the damage and the necessary repairs.
Step 2
File an Insurance Claim
If damage is confirmed, promptly file a claim with your insurance company. Ensure all documentation and evidence are ready to support your claim.
Step 3
Coordinate with Your Adjuster
Have your contractor meet with your insurance adjuster on-site. This collaboration ensures that all damage is accurately assessed and covered in your claim.
Step 4
Plan Your Repairs
Once your claim is approved, work with your contractor to schedule repairs. Prioritize quality and reliability to restore your home to its pre-storm condition.