Goose Creek Roofing: Article About Roof Repairs and Storm Damage
Strong winds and heavy rains can be hard on just about any type of roof. While there are definitely some roofing types that can withstand these harsh conditions better than others, any roof can be vulnerable to storm damage. It is important that homeowners know how to proceed when they are faced with a leaking or damaged roof.
Any type of damage should be fixed as soon as possible by a reputable Goose Creek roofing contractor. However, prior to the start of repairs or tear off, it is important to file a claim with one's insurance company. The roof will need to be inspected by a claims specialist, and any covered damages assessed before work can begin on the roof.
Of course, long before any storm damage wreaks havoc with their roof, a homeowner should carefully scrutinize their homeowners insurance policy. Not all policies provide coverage for storm damage, and those that do are often limited in scope. For example, some insurance companies only issue policies that cover roof damage if the roof is less than 10 years old. Other polices will have high deductibles or might exclude certain roofing systems.
Additionally, a homeowner needs to know whether they have an actual cash value or ACV policy as opposed to replacement cost coverage. What is covered under each of these policies can still vary greatly; however, even covered events will provide much different claim outcomes, depending on the type of policy the homeowner has purchased.
A roofing contractor from Lowcountry roofing of Goose Creek SC can answer any question about storm damage or new roofs.
An actual cash value policy will typically depreciate the damaged roof. If the roof has 5 years remaining on a 20 year warranty, the actual cash value for replacement will generally be depreciated by 75 percent. It is important that homeowners understand the terms of their policy because this can leave a huge financial commitment for the homeowner if a storm causes severe damage to their roof.
Once the roof has been inspected by the insurance company's adjuster and the homeowner has a good understanding of the settlement amount, it's time to call in a reputable roofing contractor. After major storms, it's not unusual for roofing companies to start soliciting homeowners whose roofs have obvious damage. It's important to choose a contractor with a solid reputation for quality work and products.
A leading contractor will inspect the damages and provide a detailed estimate of charges. While there will likely be some roofers offering cut rate services, it is imperative that homeowners choose quality over low bid offers. A professional roofing contractor will inspect the deck, underlayment and all components of the roofing system before providing the homeowner with an itemized bid.