HNL Construction

Storm Damage

Will Insurance Cover My New Roof?

For obvious reasons, insurance companies deem roofs to be one of the most critical parts of your home. They are meant to protect the home and its occupants from natural elements, while also protecting the company itself from costly claims stemming from flooding and other catastrophic damage. They’re acutely aware that if a roof is already damaged, the likelihood of more costly damage in the future is heightened and they’ll end up paying more in the long run. However, it’s becoming more common for insurers to be restrictive with their coverage, and many will refuse to cover aging roofs, so you might be wondering if your roof will be covered should you need a new one. What Types of Damage Does Insurance Cover? Traditionally, dwelling coverage that is included in homeowners insurance will protect the entirety of your home’s structure from common damage from hail, fire and wind. This means that a fire stemming from a lightning strike or damage from hail will most likely be at least partially covered. Will There Be a Deductible? More than likely, there will be. Every policy is different, but there is usually a deductible to be paid before your insurance will pay to …

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How Can I Tell If My Roof Has Been Damaged In A Storm?

There was a huge storm in your neighborhood! Everyone made it out okay, but there’s debris everywhere and cleanup is going to be a chore. At first glance, your house looks just fine, but what about the roof? How can you tell if it’s damaged or unsafe? Does a professional need to come out and look at it? While this can be confusing to figure out on your own, there are some basic things you can lookout for to determine what to do next. Take Note of the Obvious There will be times that the signs of damage are glaringly obvious and you know there might be a problem. These signs include: Water marks on the ceiling Missing and damaged shingles Wet or peeling walls Flashing that appears broken or damaged Water issues occuring around the home Sizeable branches or entire trees on the roof These are all things that you’ll notice immediately and most likely require a professional to remedy. However, maybe there are less obvious things that you’re missing. Signs That Can Be Seen But Aren’t Apparent Assuming you’re not a roof expert, there are some signs that you can safely keep an eye out for. Keep in …

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