Plano Roofing: Article About What To Do After Storm Damage
Storms can wreak havoc with any home, but knowing how to recover after storm damage is an important part of getting a home back into top condition as quickly as possible. Of course, a home's roof is often the area that is the most vulnerable to damage. High winds can rip off shingles, while heavy rain can lead to a roof deck that leaks. Whatever the damage, the first thing a homeowner will need to do is contact one's insurance provider.
Most insurance companies will give policy holders a special number to call in order to make a claim. This number should be easy to find. Homeowners need to report the damage and wait for an adjuster to come out and view the property before they begin any work. It can be tempting to immediately start the cleanup process and get repairs underway. However, any damage that isn't visible to the insurance adjuster will generally not be covered by the homeowner's insurance policy.
Once the claim process has been started, it's a good idea to contact a reputable Plano roofing contractor. Many homeowners even like to have their contractor meet with them during the insurance company's inspection. This can give the contractor a great opportunity to assess the damages and provide the homeowner with an estimate for repairs or replacement of the roof.
Have a question regarding emergency repairs or gutters? Please ask a contractor from Total Roofing of Plano roofing companies today.
Additionally, when an experienced roofing contractor is present during the insurance agent's inspection, the contractor can sometimes spot items that should be included on the report.
The amount a homeowner receives for storm damage will depend on the type of insurance policy carried. If the homeowner has an actual cash value policy (ACV), the amount of settlement will be based on the number of years left on the roof. Of course, the homeowner will also be responsible for paying the insurance deductible before policy coverage will begin. Other factors that will affect the amount of settlement include whether the damage was caused by a covered risk as well as policy limits.
After the insurance company has reached a settlement, repairs can begin on the roof. A dependable roofing contractor should provide an estimate of all work, including materials and start date. It is not unusual for homeowners to be approached by contractors and individuals looking to pick up some roofing work after a big storm passes through an area. Anyone who is hiring a roofing contractor should take the extra effort to check references, licensing and insurance coverage before signing a contract.