Damaged Roof? How to Identify Problems & Start the Repair Process

Roofing is the primary protection for any home's interior spaces, making its integrity a key point of interest for owners. Even the strongest and most reliable roofing systems can fail for various reasons, including poor installation, old age, storm damage, and other acts of nature.

Regardless of the cause, it is essential to quickly identify any roofing damage and begin navigating the repair process as soon as possible. Here are some reasons and signs of a damaged roof and tips for resolving problems efficiently.

Leading Causes of Roofing Damage

Beyond age and installation issues, storms are a big concern for most roofing types, particularly for those with asphalt or metal roofs. Wind damage can peel off parts of the installation, leaving the indoors exposed or source leaks. Hail damage tends to leave small holes and dings, and those that are severe enough can become problematic.

Other signs of roofing damage are more obvious, such as rain and water penetrations. This damage can leave behind rotting wood and structural damage and result in leaks in the attic, ceilings, and walls. Mold can take hold and is very challenging and expensive to eradicate in most cases. Make repairs right away! 

Get a Professional Assessment and Estimate

When homeowners believe their roof has sustained damage, the first step is to call a roofing professional to confirm any damage that may be present. The professional will discuss the problems and offer various solutions. Most roofing companies offer free estimates for victims of roofing damage. Their assessment and estimate will be pivotal in working with a warranty company or home insurance provider. An adjuster will later determine the damage, so the initial estimate serves as an essential point of reference.

Investigate the Roofing Warranty

When a home is constructed or a transfer or sale occurs, there should be information provided by builders or sellers about warranties for major systems, including roofing. Note that a home warranty is not the same as a roof warranty. The key point is that not many warranties will cover expenses related to weather damage.

What surprises most owners is the discovery that roofing warranties tend only to cover installation and manufacturer defects. Those dealing with storm damage will need to turn to their homeowner's insurance provider for potential resolutions.

Dealing with Homeowners Insurance for Roofing Repairs

It can be challenging to determine just what kind of damage a home insurance policy covers, as well as figuring out limitation amounts. Most policies offer compensation for necessary repairs caused by vandalism, fire, and moderate weather incidences like rain, wind, and hail. However, they may or may not cover tornadoes and hurricanes.

Before signing up for any policy, homeowners should go over the details, such as insurance for roofing replacement in addition to structural damage. Should an incident occur, it is highly recommended to take photographs, carefully document all damage, and call the policy provider right away.

Tips for Preventing Roof Damage

According to the National Roofing Contractors Association, owners should make it a point to have their roof inspected bi-annually by a professional, once in spring and once in fall. This helps identify any potential compromises early on before they get the chance to fail during a bad storm. Homeowners should replace aging roofs, and many contractors will work with owners concerning financing if needed.

Need a good recommendation for a roofing contractor? Search local listings and reviews or discuss the options with your real estate professional of choice.