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.