What Is Considered Storm Damage to a Roof?

Roof Storm Damage Insights for Middle Tennessee

As a Middle Tennessee roofing company, we are no stranger to seasonal storms. We see everything from spring tornadoes to the occasional winter ice storm. Storm damage can significantly affect the structure of your roof, leading to severe damage to your roof and the individuals underneath it. That’s why we’re always ready to help immediately take care of your roof storm damage. From your free roof inspection to the home insurance claims process, it is crucial to contact your insurance company promptly for guidance on claims and coverage for your complete roof replacement; our Nashville roofers are here to help you weather the storm!

Identifying Roof Damage

Identifying roof damage can be challenging, especially if you’re unfamiliar with the signs and symptoms. Therefore, it’s essential to recognize the warning signs to prevent further damage and ensure your safety. Here are some common signs of roof damage to look out for:

• Missing shingles or loose shingles

• Cracked or broken shingles

• Granule loss on asphalt shingles

• Hail marks or dents on metal roofs

• Pools of water or signs of water damage on flat roofs

• Separated or damaged wood shingles or shakes

• Broken or chipped tiles on tile roofs

If you notice any of these signs, it’s crucial to contact a professional roofing contractor to assess the damage and recommend repairs or full roof replacement. Early detection and intervention can prevent more extensive and costly roof repairs later.

Inspecting the Roof for Damage

Inspecting the roof for damage requires a thorough examination of the roof’s surface, gutters, vents, skylights, and chimneys. Homeowners should use binoculars to look closer at the roof and check for any signs of damage. Inspecting the attic and living space ceilings for any signs of water damage or leaks is also essential. Look for water stains, mold, or damp spots, as these can indicate a leak that needs immediate attention. Regular inspections, especially after a major storm, can help you catch problems early and avoid costly repairs.

4 Common Types of Roof Storm Damage in Middle Tennessee

Different kinds of storm damage pose their own problems. Ensure you understand how the aftermath of common storms could affect your roof.

Inspecting the roof’s surface after a storm is crucial to identify any damage that may have occurred.

1. Water Damage

Moisture damage is the most common culprit and the easiest to spot. After heavy rainfall, it’s possible that your entire home could be affected by water damage. Even minor damage, such as small leaks or creased shingles, can lead to significant water damage if left unaddressed. To avoid mold, structural problems, and rotting, schedule a roof inspection with us right away. Therefore, a small leak can cause expensive problems down the road!

2. Hail Damage

After a hail storm, you may notice dings in your metal roof, dark spots on your shingle roof, or cracks in your siding. Hail can also cause cracked shingles, leading to leaks and further structural damage if not promptly repaired. Roof hail damage can be challenging to identify and even undetected until more damage is done. Instead of waiting until it’s too late, having a professional come take a look is best.

3. Wind Damage

Heavy winds are frightening and can also ruin shingle roofs, especially in the event of a tornado. Strong winds are powerful enough to lift and permanently misplace your shingles, leaving empty space for water to travel into and cause leaks. Wind can also send flying debris to your roof, resulting in cracks, holes, and other problems.

4. Damage from Fallen Debris

Falling tree limbs during a storm can puncture your roof deck, dislodge shingles, or damage gutters. Smaller debris, like branches or leaves, can clog gutters, damaging water pooling and gutters. Homeowners in Middle Tennessee should inspect the roof after storms to spot any debris-related issues, especially following severe storms.

Why It’s Crucial to Address Roof Storm Damage Quickly

Delaying repairs on a damaged roof can lead to more severe problems, including water damage, mold growth, and costly structural repairs. For example, clogged gutters caused by storm debris can result in standing water, which may seep into your roof deck. Even minor damage, like cracked shingles, can expand under prolonged exposure to extreme weather. Contacting a professional roofing contractor as soon as possible helps mitigate further risks.

Repair and Replacement Options for Roof Storm Damage

Roof Storm Damage Repair Services

Roof storm damage repair includes fixing minor issues like damaged shingles, sealing leaks, or replacing small roof sections. Most insurance companies cover these repairs if the damage is properly documented. Coordinating with the insurance company for guidance on claims, determining coverage, and ensuring that necessary documentation is submitted to secure the funds needed for repairs is crucial.

Roof Replacement Due to Storm Damage

In cases of severe damage, a roof replacement may be necessary. For example, if high winds remove large sections of roofing material, replacing the entire roof is often more cost-effective than repairing individual areas. Metal roofs are a durable option for storm-prone regions, offering impact resistance and long-term reliability.

Metal Roof Storm Damage Repair

Metal roof storm damage repair requires specialized expertise to fix dents, reseal seams, or replace damaged panels. This roofing material is highly durable but can still sustain damage from hail or falling debris.

Finding a Reputable Roofer

Finding a reputable roofer ensures roof repairs and replacements are done correctly and efficiently. Homeowners should look for a professional contractor with experience handling insurance claims and roof repairs. A reliable roofer can distinguish between a quick fix and a long-lasting solution.

Qualities of a Reliable Roofing Contractor

A reliable roofing contractor should possess the following qualities:

• Experience in handling insurance claims and roof repairs

• Professional certifications and licenses

• Good reputation and online reviews

• Proof of insurance and credentials

• Clear communication and transparent pricing

• Ability to provide a detailed estimate and scope of work

• Warranty and guarantee on workmanship and materials

By assessing roof damage and finding a reputable roofer, homeowners can ensure that their roofs are repaired properly and that their insurance claims are handled smoothly. Working with a professional roofing contractor guarantees quality repairs and provides peace of mind, knowing that your home is protected from future storm damage.

What to Know About Roofing Insurance Claims for Storm Damage

All home insurance companies are different, but in many cases, they will help cover the cost of your new roof if a storm has damaged it. Before filing a roof damage insurance claim for wind, hail, or rain, we suggest you schedule a roof inspection first. From there, we can give you further recommendations and walk you through the claims process if we are confident that your policy will pay to replace your roof. If you only need minor repairs, we recommend applying the cost to your deductible instead. Five Points Roofing Company specializes in full replacements and repairs.

Working with Insurance for Roof Storm Damage

Filing an Insurance Claim for Storm Damage

Filing an insurance claim for roof storm damage involves documenting the damage with photos and obtaining a professional inspection report. Most insurance companies require homeowners to file a claim as soon as possible after the storm. Keep records of all repair estimates and communications with your local agent.

Common Insurance Coverage for Storm Damage

Homeowners insurance typically covers damage caused by wind, hail, and falling debris, though coverage can vary. Policies may exclude wear-and-tear issues, so understanding what your policy covers is important. If unsure, your roofing contractor can help clarify your coverage and navigate the claims process.

How Five Points Roofing Can Help with Insurance Claims

Five Points Roofing works directly with insurance companies to ensure your claim is processed efficiently. Our team provides detailed inspection reports and assists in documenting the full extent of the damage, streamlining the repair process.

Preventative Measures for Future Storm Damage

Strengthening Your Roof Before Storm Season

Upgrading to impact-resistant roofing materials like Class 4 asphalt shingles or metal roofs can help minimize future storm damage. Regular maintenance, such as sealing roof shingles and inspecting flashing, also protects against extreme weather.

The Importance of Annual Roof Inspections

Scheduling annual roof inspections allows homeowners to identify and address potential vulnerabilities before storm season. A professional roof inspection can detect minor damage that might worsen during severe storms.

Gutter Maintenance and Tree Trimming

Keeping gutters clear and trimming overhanging tree limbs reduces the risk of gutter damage and falling debris during a storm. Clogged gutters often lead to standing water, which can damage your roof deck or siding.

Get in Touch to Schedule Your Free Inspection

Our inspectors are pros at assessing roof damage to asphalt roof shingles, metal roofs, and other types of roofing. If you’ve gone through some bad weather in your neighborhood, don’t hesitate to reach out to us. The Five Points Roofing team provides free roof inspections for storm damage and will help you determine if you need a full roof replacement!

We also can provide expert roof repair services to address any storm damage and ensure the long-term integrity of your roof.