While it’s impossible to predict when a roofing disaster will occur, knowing how to respond in the event of an emergency can make matters much less stressful. By incorporating roofing emergency preparedness into your planning, you establish a comprehensive action plan today, ensuring you are better prepared for storms tomorrow. Take a few moments to learn more about how to create a roofing emergency action plan for when unexpected emergencies occur.

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When a violent storm rolls through your town, you want your roof to withstand the wind and rain effectively. However, storm damage can sometimes win the battle against your roof. A heavy hail storm or a gale-force wind can rip off your roof or cause a tree limb to fall on your roof and cause significant damage. So, what can you do to minimize storm damage to your roof and avoid costly water damage to your home?

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Your typical all-perils homeowner’s insurance policy will cover your roof and the cost of replacement if it sustains storm damage. This is the good news, but you should note you’re covered only if the roof damage results from a sudden accident or act of God. Damages from normal wear and tear or an old roofing system are usually not eligible for reimbursement. Many insurance companies typically categorize these damages under the general maintenance responsibility of the property owner.

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If you notice brown patches on your home’s ceiling or walls, it’s possible you have a leaky roof. Repairing a roof leak is often a costly affair, especially if it has caused substantial water damage to your roofing system. Fortunately, your homeowner’s insurance does cover a leaky roof depending on what caused the leak. (more…)