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How to Know If Insurance Will Cover Your Roof Replacement

When a big storm passes through causing damage to your roof, one of the first thoughts that crosses your mind might be: “Will insurance cover this?”
Roofs are major investments into your home, and you expect them to do their job for 15-20 years, so when there is storm damage it is easy to hit the panic button. In this blog, we go over what insurance covers and how MLM can help.
Types of Damage
The damage insurance covers is acts of nature– something that happens unexpectedly and is out of your control. Acts of nature include a snow storm, hail damage, ice storm, extremely high winds, fire and variants of these acts. If high winds cause a tree to fall and that creates damage, it is most likely covered by insurance. But if this tree had been dead, and the fall could’ve been prevented, it might not be covered.
In the similar mindset, leaks may or may not be covered depending on the situation. If the leak is caused by a horrific storm that caused missing shingles and heavy rain entered into your home, that is a scenario that could be qualified to be covered. But- if this leak was caused by neglect and failure to perform regular maintenance on the homeowner’s part you will not be covered.
What if I have an older roof that was damaged in a storm?
Some policies take the age of your roof into account at the time it is damaged. For example, if your roof is under 10 years old, you may be covered for the full cost of repairing or replacing the damaged section of your roof at the time of the claim. If your roof is over 10 years old, you may only be reimbursed for the depreciated value of the damaged roof. The depreciated value takes the aging and wearing of your roof into account, meaning its value has decreased prior to any damage occurring.
Depending on where you live, some policies will only offer roof damage coverage up to the depreciated value, regardless of the age of your roof. Other policies will cover the full cost of repairing or replacing the damaged section of your roof at the time of the claim, regardless of the age of your roof. If the damage is determined to be from aging, wear and tear, or poor condition of your roof, it will typically be considered normal maintenance, and will not be covered under your policy.

Precautions to get the most out of your insurance

Get your roof inspected by a roofing contractor. Your insurance company will not cover damages that seem to occur due to negligence. Sometimes this might get mixed up with an actual damage and you get the short end of the stick. Carry out regular inspections on the roof with a contractor to know the condition of the roof always.

Fix minor problems. Minor issues like a weak spot or a broken shingle should be fixed before it’s too late. Your insurer can easily show up unannounced and finding such negligence can lead to canceling your policy.

 

Let MLM Help You
Regular maintenance and inspections will keep your roof in great shape and will ensure you are covered when you need it most. Schedule a free inspection with MLM today!

All About Roof Wind Damage

In the DMV and NJ region, we know the ins and outs of summer storms. A strong storm is always accompanied by high winds, which pose a threat to your home’s exterior. Whether it is wind that’s strong enough to have damaged the integrity of your shingles, or wind that has knocked down branches and debris, we talk about the clear signs of wind damage to look for after a summer storm.
Breaking Down Wind Speeds
The National Weather Service provides a chart that estimates wind speeds through visual damage. If you check your weather app, you could know the mph of the wind and associate it with the potential damage it can cause:
19 to 24 mph: Large branches and small trees in leaf begin to sway.
25 to 31 mph: Large branches in continuous motion. Whistling sounds heard in overhead or nearby power and telephone lines. Umbrellas used with difficulty.
32 to 38 mph: Whole trees in motion. Inconvenience felt when walking against the wind.
39 to 46 mph: Wind breaks twigs and small branches. Wind generally impedes walking.
47 to 54 mph: Structural damage occurs, such as chimney covers, roofing tiles blown off, and television antennas damaged. Ground is littered with many small twigs and broken branches.
55 to 63 mph: Considerable structural damage occurs, especially on roofs. Small trees may be blown over and uprooted.
64 to 75 mph: Widespread damage occurs. Larger trees blown over and uprooted.
Clear Signs of Wind Damage
 
Shingle Damage
Shingle damage is easily seen during a routine roof inspection or even sometimes it is noticeable from the ground. If you are missing any shingles, you have clear roof damage. Wind often causes damage to the edges of your roof or worsens areas of your roof where shingles may have already been loose. Once shingles start blowing off, it causes a chain reaction and can lead to major repairs or a replacement.
Granule Loss
Connected with shingle damage is granule loss. The material on your shingles will wear over time and you may notice very minor granule loss, which is completely normal. If you start to notice bare spots or cracks that you haven’t noticed before, these are signs that the seal on your shingle has broke and it will start to flap. The flapping is a huge warning sign because all it takes is an unexpected storm with winds just strong enough to have it tear off. The good news is that this type of damage isn’t always major. Sometimes it’s localized, and you’re only facing a minor repair.
Debris
Another thing to consider is debris. As stated above, around 30-40 mph cause small branches to break off. If there are lot of branches and other forms of debris laying around your property or on your roof after a storm, we would recommend either performing a roof inspection (if it is safe to do so) or hiring a roofing professional, such as one of MLM’s project consultants, to come out and take a look.
Water Leaks
If the wind compromises the integrity of your shingles during a storm, you will find the effects of the storm on your ceiling and walls. If you notice discoloration (yellow/brown color) or the smell of mold, chances are there is moisture that has leaked through. While you may think it is just a minor leak and that it is harmless, when another storm rolls through it could worsen the issue tenfold. The best thing to do in this case is call a roofing professional to inspect the issue and give you options on what to do next.

 

It’s never fun finding damage after a storm, but let MLM help! Our trained professionals can help guide you from start to finish of the roof replacement process. Starting with a free inspection and consultation, we communicate all your options and help navigate this intimidating process. Give us a call at 844-MLM-ROOF or fill out the form on our website to schedule your inspection!