Is Your Roof Hiding Storm Damage?
After a major storm, your home’s roof may seem intact at first glance, but hidden damage could lead to costly repairs down the line. Ignoring these issues might result in leaks, structural problems, or even dreaded insurance complications.
Protect Your Investment & Your Home
Understanding how to assess storm damage can save homeowners thousands in unexpected expenses. This guide will help you determine whether you need simple repairs or a full roof replacement—without getting taken advantage of by your insurance company.
Key Takeaways:
- How to identify storm damage on your roof
- When a repair is enough vs. when a full replacement is necessary
- The role of insurance in covering storm-related roof damage
- How to work with an insurance lawyer or insurance attorney if your claim is denied
How Storms Affect Your Roof
Storms can cause significant roof damage in various ways. From strong winds that loosen shingles to hail that punctures roofing materials, your home may suffer in ways you can’t immediately see. It’s common for homeowners and property owners to file a claim 2-3 months after the original storm occurred due to the damage taking a while to show. As long as you have good cause for filing your claim later than the date of loss, you should be good! You can always reach out to our team for insurance claim questions.
Common Types of Storm Damage:
- Wind Damage: Missing, lifted, or curled shingles.
- Hail Damage: Dented or cracked shingles and bruised roofing materials.
- Water Damage: Leaks, water stains, or mold growth in the attic.
- Debris Impact: Fallen branches or other objects causing punctures.
Ignoring these issues can lead to costly repairs, insurance disputes, or even structural failures. Let’s make sure you’re in the know about your repairs, recovery and responsibilities as a property owner. Your insurance claim could very well depend on your knowledge and action.
Roof Repair vs. Roof Replacement
Once you’ve identified storm damage, the next step is determining whether a repair is sufficient or if a full roof replacement is required. We don’t recommend for you to hop on your roof yourself, it can be dangerous. You can contact a local contractor to assess any damages. You DO NOT have to sign up for their services or sign any documentation for an inspection. Be wary of fly-by-night roofers.
When Repairs Are Enough:
✅ A few missing or damaged shingles.
✅ Minor leaks that can be patched.
✅ Flashing or gutter damage that can be fixed.
You do need to make the repairs out of pocket! We know it sucks, but it’s part of your duty as a homeowner and responsibility per your insurance policy. The last thing you want to happen is for significant damage to come in the future and your insurance company claim “wear and tear” of the roof when you have made every effort to protect and maintain your roof.
When a Full Replacement is Necessary:
🚨 Large sections of missing shingles.
🚨 Severe water intrusion causing mold growth.
🚨 Extensive hail damage across multiple roof sections.
🚨 Roof is over 15-20 years old. (Replacement-Cost Value coverage is best for this, honestly, RCV is best on any policy.)
It’s important to gather your own estimates for damages. Remember, the insurance company’s experts aren’t on your side. They work for the insurance company who will do the most to ensure they retain their profits, including underpaying your claim.
Common Mistakes to Avoid
Homeowners often make costly errors after a storm. Avoid these pitfalls to protect your investment:
❌ Waiting Too Long to Inspect for Damage – Storm-related issues worsen over time. Your policy requires you to file a claim “reasonably prompt” which means as soon as you notice damages!
❌ Assuming Insurance Covers Everything – Policies have limitations; consult an insurance lawyer from Stormlex Law Group if your claim is denied.
❌ Hiring Unverified Contractors – Storm chasers often target affected areas and provide low-quality work. Any reputable contractor in your area will have the history and reviews to show for their trustworthy work and service.
Roofing Innovations for Storm Protection
With climate change leading to more frequent and intense storms in Texas, roofing innovations are improving storm resistance.
🔹 Impact-Resistant Shingles: Designed to withstand hail and high winds.
🔹 Metal Roofing: Durable and resistant to severe weather conditions.
🔹 Solar Roofs with Enhanced Durability: Combining energy efficiency with storm protection.
Investing in these advanced materials can reduce long-term costs and provide better insurance coverage options. It’s important to note that no material will last forever! Making repairs and regularly inspecting your roof’s integrity are a vital part to maintaining your home and assets.
What to Do After a Storm ✅
- Document the Damage – Take clear photos and videos for your insurance claim.
- Contact a Reputable Roofing Contractor – Hire a local contractor to get on your roof and inspect for damages after any major storm.
- File an Insurance Claim – Use your insurance company’s website or app to file your claim along with your documents and photos regarding the damages.
- Consult an Insurance Lawyer if Necessary – If your claim is denied, seek legal guidance.
Protect Your Roof, Protect Your Home
Storm damage can be overwhelming, but knowing how to assess, document, and address the damage will save you time and money. Whether you need a minor repair or a full replacement, working with experienced professionals—and knowing when to call an insurance attorney—can make all the difference.
📌 Call Now: There’s Still Time: Have you recently experienced storm damage? Contact a trusted insurance expert today for a free case evaluation and safeguard your home’s future. Our law offices are open 24/7 for calls at (877) 890-6372.
FAQs Property Owners Have About Storm Damage
How do I know if my roof has hail damage?
Look for dents on shingles, bruised spots, or granules collecting in gutters.
Can I inspect my own roof for storm damage?
While you can do a visual inspection from the ground, it’s safer to hire a professional.
Does insurance cover full roof replacement after a storm?
It depends on your policy. If denied, consulting an insurance lawyer can help.
How long do I have to file a property damage insurance claim?
Most policies have a deadline (often 6-12 months). Check with your insurance provider.
What’s the best roofing material for storm-prone areas?
Impact-resistant shingles, metal roofing, and solar roofs with durable coatings offer the best protection. Ensure you’re maintaining seasonal roof maintenance for sustainability of your roof as well.
