What to Do If Your Roof Suffers Storm Damage

Today, we’re addressing a critical issue that many homeowners face after severe weather events — storm damage to roofs. In St. Louis, where the weather can go from placid to perilous quickly, knowing how to handle roof damage caused by storms is essential for protecting your home and family.

Immediate Response to Storm Damage

1. Safety First

Immediately after a storm, prioritize your safety:

Avoid going on the roof: Wet roofs are slippery, and storm-damaged roofs may be unstable.
Inspect from a safe distance: Use binoculars or the zoom on your camera to assess damage from the ground.
Stay clear of hazards: Beware of broken power lines or sharp debris.

2. Document the Damage

Proper documentation is crucial:

Take photos: Capture all angles of any visible damage to your roof.
Record the date of the storm and any subsequent damage noticed, as this will be useful for insurance claims.

3. Mitigate Further Damage

Taking temporary protective measures can prevent further issues:

Use tarps or plastic sheeting: Cover exposed areas of the roof to keep out water and pests. Secure the tarps properly but remember, these are temporary fixes until professional repairs can be made.
Collect broken pieces: Small shingles or other material fragments should be collected, if safe, to show to the insurance adjuster.

Choosing the Right Contractor

1. Seek Multiple Estimates

Shop around: Get at least three estimates from different contractors to compare prices, proposed materials, and timelines.
Check credentials: Ensure the contractors are licensed and insured. This information can usually be confirmed through your local chamber of commerce or building department.

2. Avoiding Scams

Steer clear of door-to-door contractors, especially those who offer services immediately after a storm.
Do not pay upfront: Legitimate businesses will offer terms of payment that are tied to milestones in the project.

Repairing Your Roof

1. Types of Repairs

Temporary fixes, like tarping, are intended to prevent additional damage until permanent repairs are made.
Permanent repairs might involve anything from shingle replacement to significant structural fixes.
Total replacements are considered when the damage is extensive, or the roof is beyond its lifespan.

Navigating Insurance Claims

1. Understanding Your Policy

Know what your insurance covers: Some policies will cover the full replacement cost, while others might only cover the depreciated value of the roof.
Prepare for the adjuster’s visit: Have all your documentation ready — from photos to detailed notes on the damage.

2. Filing a Claim

Report the damage immediately: Most insurers have a time requirement for reporting damage.
Submit necessary paperwork promptly: This includes your contractor’s estimate and a claim form.

3. Closing Out the Claim

Ensure thorough documentation: Keep all receipts and invoices related to the repair work, as these are necessary for both insurance and tax purposes.
Inspection: Have your contractor and the insurance adjuster do a final walkthrough to confirm that all agreed-upon work has been completed satisfactorily.

Preventive Measures

Regular inspections: At least twice a year, inspect your roof or hire a professional to do so.
Maintenance: Keep gutters clean, trim trees near your home, and replace worn shingles promptly to avoid future storm damage.

Conclusion

Handling roof damage after a storm involves a series of steps focused on safety, proper documentation, and working with the right professionals. At Family First Exteriors, we understand the urgency and the stress that comes with storm damage. We are committed to providing St. Louis homeowners with reliable, professional service from start to finish — ensuring your home is protected and your family is safe.

Remember, the decisions you make just after a storm can impact your home’s integrity. Choosing a reputable contractor like Family First Exteriors can make all the difference in restoring your home efficiently and effectively. If you’re facing storm damage, contact us today — we’re here to help put your roof, and your home, back together.

For more helpful tips and guidance, stay tuned to our blog or reach out to our experts at Family First Exteriors. We are your St. Louis community roofing specialists, putting your family first.

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