What steps should property owners in Maple Grove and outlying areas take to safeguard their homes following a hailstorm? Every year, some severe weather systems cause tiny chunks of ice (i.e. "hail") to fall from the sky. The Insurance Information Institute reports 4,610 significant hailstorms occurred in the United States during 2018 alone!
Insurance Protection Against Hail
Today, property owners in Maple Grove usually insure their homes. Some insurance policies cover unexpected losses caused by hail storms, while others do not. Most experts recommend reading the terms of insurance policies very carefully. In certain cases, customers may need to purchase additional rider protections in order to fully insure their roofs against hail damage. Every year, Maple Grove storm damage causes some property owners to undertake exterior remodeling, too.
Ice Damage Occurs in Many Forms
By the way, keep in mind that ice potentially causes damage to real estate in a variety of ways. While hail stones sometimes strike rooftops with force and damage roofing shingles or gutters, ice dams may form even in the absence of hailstorms. Locations with freezing temperatures and significant precipitation remain at high risk for this type of problem. The collection of ice along the lower edges of the roof, an "ice dam", sometimes poses a significant safety hazard to people on the ground (falling clumps of ice may cause serious injuries). Ice dam prevention promotes both better property maintenance and personal safety.
Steps to Take After a Hailstorm: Document Storm Damage
As soon as possible after a hailstorm, property owners should take steps to document the date and time of the weather event. This information proves important for insurance claim purposes. One especially helpful step involves taking a quick photo or video of the hail on the ground.
Pay particular attention to the size of hail stones. Look for these problems:
Cracked or broken windows and sliding glass doors;
Dents in roofing tiles or siding;
Damage to air conditioners, landscaping, and awnings.
Steps to Take After a Hailstorm: Request a Roofing Inspection
People frequently head online and search for "roofing contractors near me" or "remodeling contractors near me" following hailstorms. While not a bad idea, this effort sometimes involves an extended wait for service. It may make more sense to hunt for "roofing contractors in my area" before a storm and then arrange for one to visit your property to conduct an inspection if a hailstorm should ever passes through the area. You'll place yourself near the top of the list for roof repair inspection services!
Licensed roofing contractors who frequently perform roofing repair or roof replacement possess the skills required to evaluate the condition of residential roofing. Most Maple Grove roofing experts evaluate asphalt roofing, wood shakes and shingles, and metal and tile roofing. Many also inspect other types of roofs. They usually pay particularly close attention to soffit vent surfaces and fascia and soffit seams while looking for signs of possible damage. In many cases, hailstorms don't damage roofs. Unfortunately, some severe storms do inflict massive damage requiring storm restoration services or even home remodeling and roof replacement. The physical condition of insured property ultimately determines whether an insured homeowner should file an insurance claim.
Steps to Take After a Hailstorm: Contact Your Insurance Company
Always read your insurance policy carefully and adhere to its provisions when filing a claim. Insurance companies typically request prompt notification after hailstorms in order to arrange for their own roofing inspections. When an insurer approves a claim, the company may even help arrange for roof repair services, if applicable. An insurer may also seek estimates from several roof restoration companies in the local area. Hail sometimes results in an expensive roof replacement cost, and an insurance company must make certain the claim proves valid before disbursing payments.
In some cases, insurance companies deny claims for roof losses caused by hail, particularly in the case of older roofs. Previous roof leaking may indicate a roofing problem already existed before a storm passed through the area, for example. Storm restoration sometimes proves costly. In certain cases, insurance won't cover the full expense of "roof restoration near me." After a roofer presents a roof replacement estimate, and an insurer pays a roofing claim, even a well insured customer may need to obtain additional roof replacement financing to cover the full re-roofing costs.
Shop Carefully For Roofing Services
How much is a new roof in Maple Grove? Prices vary widely. Property owners benefit by remaining alert for low cost exterior remodeling ideas, including ways to lower shingle repair or shingle roof cost expenditures. The presence of a roof replacement warranty assists some homeowners. For more questions, contact Maple Grove Roofing Contractors by calling 763-308-4153.