How Can I Know If My Roof Has Storm Damage?

Fallen tree on the roof after big storm

Storm Damages to Roofs

In League City, Texas, and the area surrounding, it is always a guess what kind of weather events we can expect. From hot summer storms and wet springs to frigid winters, there can be a lot of roof storm damage repair needs left behind.

Is roof storm damage covered by insurance?

The most common use of a homeowner’s insurance policy claims is for roof storm damage repairs or replacement. Your home is an important investment, and the roof protects that investment and everything inside it. The typical types of roof storm damage coverage include: 

  • Ice, snow, and water damage
  • Lightning strikes 
  • Power surges
  • Hailstorms
  • High winds
  • Falling tree limbs/branches
  • Ice, Snow, Water Damage

Roof damage from winter storms of ice and snow can leave a home needing roof storm damage repairs or replacement just from the sheer weight of accumulation. The roof damage from wind that comes with the spring thunderstorms that Texas is known to experience creates the need for roof storm damage repairs or replacement. 

  • Lightning Strikes & Power Surges

Often, if lightning strikes a home or any type of structure, it can cause a fire to start, which is covered in most roof storm damage repair claims. O it can cause a power surge, damaging the electrical system in your home.  Not all homeowner insurance policies provide power surges and outage coverage, it is worth the time to consult with your insurance agent and add it necessary. 

  • Wind, hail, and fallen trees

The strong spring storm in Texas roar through, sometimes with hail, and cause significant siding, windows, and roof storm damage.  Repairs or replacements are usually covered under most homeowner insurance policies. This includes damage from ice coating the roof, heavy snow piles, and wind-driven rains as well as any tree limbs broken by heavy ice and snow.

Keep in mind that not all insurance companies are the same and not all homeowner’s insurance policies are the same. Review yours every 6 months and if you’re unclear of any aspect of your policy, ask your agent to clarify.

What is storm damage to a roof?

Once a storm has passed through, use the following as a checklist to see if you need any roof storm damage repairs:

  • Roof: Do a visual assessment and Roof inspection after a storm by walking around the perimeter. Take notes, pictures, and videos of all visible storm damage. You’re looking for broken, curled, dented, loose, missing, or torn shingles that will need any roof storm damage repairs or replacement.
  • Gutters, Vents, and Windows: Check these areas for broken, dented, or loosened gutters and vents, including the gable vents and any overhangs. Inspect all the windows for breaks, cracks, loose weather-stripping, or torn screens.
  • The Exterior: Walk around the exterior to check for broken or fallen tree limbs, bent, broken, missing fence posts, or damage to decks, patios, lawn furniture, etc. 
  • Attic and Ceiling: Inspect the inside of your home, starting in the attic. Look for roof leaks and the ceiling/walls for water spots. 

If you have never filed an insurance claim before, check with your insurance agent on how to claim storm damage to a roof and other damages your home has sustained. Many insurance companies have instructions on their website to walk you through the process. If you speak to anyone with the insurance company, be sure to get their name, phone number, and extension, and keep a file that includes the claim number and insurance adjuster.

Broken roof after a storm

Can a metal roof be struck by lightning?

Lightning isn’t any more likely to strike a metal roof than any other type of roofing material. Research and studies have determined that lightning is more likely to strike a structure at a high elevation, even if it is an asphalt shingled roof. 

Can a metal roof be struck by lightning?

Lightning isn’t any more likely to strike a metal roof than any other type of roofing material. Research and studies have determined that lightning is more likely to strike a structure at a high elevation, even if it is an asphalt shingled roof. 

What type of roof is best for storms?

Insurance companies and roofing contractors recommend metal roofing. They provide ultimate protection and are weather-resistant, including against heavy winds and other elements those strong Texas storms can bring through any time of the year.  Metal roofing is energy efficient and 100% recyclable. Most metal roofing is made from 95% recycled metals and can be 100% reused when it has completed its lifespan as a roof. 

Closing Up The Roof Damage

It is important to file your insurance claim for roof storm damage repairs or replacement as soon as possible. Review your insurance policy to see what time frame your insurance company requires.

Keep a folder with all your documents and receipts pertaining to your insurance claim. Get the name and number of any person you speak with, including the contractors and insurance adjuster or officer. Keep copies of any estimates and quotes that you send to your insurance agent. 

If you do not agree with the insurance adjuster’s claim offer, you have the right to dispute and ask for a new adjuster. You also have the right to pay for a private party adjuster. 

For help with roof storm damage in League City, TX call the skilled team at Professional Roofing Systems for services at (281) 338-7663.