Hurricane Roof Damage – Things You Need To Know About It As A Homeowner

If you live in Florida, you know what hurricanes and storms can do to a home when they hit a particular region and its nearby areas. Statistics suggest that there have been 79 hurricanes of different intensity and consequences in this American state in the last two decades. And although the period ranging from June 1 to November 30 is mostly known as a hurricane season, Florida experienced the worst form of it in September as per the records. There cannot be a particular time when natural disasters like this make landfall, but the effect they leave behind gets etched in the memories forever.

Since you cannot control everything once a hurricane happens, there are a few things that you need to do before and after the storm has passed for a relatively better experience. As you know, the roof is an essential structure of your house as it protects and shelters you from many conditions. So, let’s check out what you have to do with it in the context of the storms and hurricanes.

Pre-hurricane phase

Roof maintenance

If the roof is weak, it will not take time for a storm to wreak havoc on it by getting under shingles and destroying the whole structure. Although you cannot avoid damage altogether, you can make sure that it can survive the wrath of the wind. For that, annual checkups and repairing even minor issues are essential. Also, you must ensure there are no tree branches on the roofline.

Hurricane code improvement

In 1996, the hurricane codes for the roof had drastically changed. So any roof built before 1997 need either replacement or enhancements as per the new standards. Some people install a new roof, while others incorporate improvements to make their old structures up-to-date and safe from fierce storms.

Fund for emergency roof repair

Even though insurance can cover the cost of repairing and replacement after a hurricane, it will be better that you keep some amount separate. You may not get the claim amount quickly, especially when a catastrophic event takes place. Hence, if you have money, you can get your roof fixed till the other amount reaches your bank account.

Post-hurricane phase

Insurance claim

You should claim damage cover as soon as possible after a hurricane has subsided because processing may take a longer time than you expect. After Hurricane Irma hit Florida in 2017, only 57% of about one million claims were attended by April 2018. So you can imagine the risk. Plus, as per the Florida statutory law, you need to file your claim within three years after the hurricane or storm inflicted damage to the covered portions. While it says three years, the insurance carriers can have their terms and conditions, too, which require you to claim money within one or two years. Also, be ready not to get all the benefits that may have been available earlier.

Roofing company

Choose a roofer who can suggest both immediate and long-term roofing solutions for damages caused by a hurricane. The company must have a license. You can also read reviews and ratings to know what others are talking about its services. A trustworthy company would offer you a warranty. Besides, it would help you with the insurance claim.

So, take care of these things, and you should find relief soon. For help, you can visitΒ