Storms, Insurance, roof: what you need to know

If you live in the Atlanta area, you already know there is always a potential for severe weather with tropical storms, torrential downpours, high winds, and tornadoes. Here are a few things that you need to know about dealing with storm damage to your roof.

Be Prepared Before Storms Hit

It’s a good idea to review your homeowner’s insurance each year to know:

  • What type of storm damage is covered under your policy
  • If you are covered for damages caused by flooding
  • What your deductible will be if you file a claim for storm damage for your roof

Knowing the answers to these questions before storm season gives you the opportunity to make adjustments to your insurance if needed. It also gives you an opportunity to create a plan for setting aside the money you would need for your deductible if emergency roof repairs or a replacement are needed.

Beginning the Emergency Process

After a roof is damaged from a storm, you must move quickly to minimize additional damage and begin the repair process. You must call your insurer immediately to begin the claims process and assign an adjuster to your case.

Next you should contact a qualified roofing repair specialist like Pro Roofing & Siding who will implement our 4-step emergency process where we:

  1. Document the roof damage for your insurance claim
  2. Take steps to prevent additional damage by tarping the damaged section(s)
  3. Work with your insurance adjuster
  4. Repair or replace your roof depending on the damage

Claiming a Loss for Roof Damage

If you have a high deductible or are not fully covered for storm damage to your roof, you may be able to deduct a portion of your loss on your federal income tax. This loss claim does not cover losses related to normal wear and tear of your roof. Because of the requirements and complexity to calculate a casualty loss on your income tax, you should consult with your tax professional.

Stick with a Local Roofer

Immediately after a big storm, it is common for storm-chasing contractors to show up throughout the area looking to make a fast buck. Your best choice is to contact a trusted, reliable and local roofer like Pro Roofing & Siding who has a track record of satisfied customers in the area and will work with your insurer.What You Should Know About Roof Replacement Financing

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