It’s always advisable to be proactive if storms are in the forecast or to just be ready for unexpected roof damage. A yearly roof inspection is the best way to ensure your roof is well-maintained and ready to withstand severe weather. If you choose to inspect the roof yourself, first off: be very careful! We highly recommend hiring a roof repair company in Lafayette, IN, rather than putting yourself at risk of a fall.

If you decide to climb up there yourself, look for missing or lifted shingles. Then, check the shingles for any cracks or missing granules. Many granules in your gutters or on the ground is a good indication you’ll need your roof inspected by a professional roof repair company in Lafayette, IN. Additionally, always check for water spots both inside and outside your home.

If you live in Indiana, a roof inspection should always be conducted after severe weather. When that happens, document the condition of your roof through pictures and/or videos. This will help you prepare in case you ever need to file a roofing insurance claim.

Additionally, check your insurance documents to see what your insurance policy covers and what your deductible and coverage limits are.

 What kinds of roof damage are covered by insurance?

Coverage varies depending on your policy, insurance company, roof condition and age, and various other factors. In most cases, your roof will be covered for damage from extreme weather, including: 

• Hail damage
• Strong winds
• Tornadoes
• Snowstorms
• Damage from downed trees during storms
• Fire damage

However, some policies have specific wind and hail exclusions, so don’t just assume that you’re covered!

The very first thing you need to do after a significant weather event, or anytime you think your roof has been damaged, is to call a professional roofing contractor for a damage assessment. We offer Indiana homeowners and business owners free roof inspections and give you an estimate of what will need to be done. If you decide to work with another roofing company, make sure whoever you call is licensed, insured, and experienced! Otherwise, you potentially run the risk of additional and costly damage later on from the neglected repair or replacement. 

A quality roof repair company in Lafayette, IN should be a reliable source of assistance and advice for you to lean on during the roofing insurance claim process. They should be able to advocate for the best solution for your roofing repair situation. At Wabash Valley Exteriors, we give you a complete and accurate estimate of any damages, tell you whether or not the roof will need to be replaced, and other costs and amount of time it will take to complete the job.

Roofing Insurance FAQ: Do I need to get multiple quotes for insurance work?

After a roofing contractor comes to evaluate your roof, you’ll want to report the incident to your roofing insurance provider. Insurance will then appoint a claims adjuster to come to your house to see the damage. Then, they’ll input data and give you an estimate of what insurance will cover.

It’s important to have your Indiana roofing contractor  there when the claims adjuster is doing the evaluation. A professional roofing contractor will know what is consistent with storm damage. They will ensure the adjuster is fair and covers all the damage to the property caused by the storm. A contractor can also catch any errors that might be made by the insurance adjuster. It is still likely that the adjuster will not find everything that needs to be done. Your roofing contractor can submit some of these missed “code items” later as supplemental to your insurance.

Once you have everything documented and approved by the insurance company, it’s time to have your roof replaced. Whether you need a residential roof replacement or just roofing repairs , we remind you to only work with a skilled, local roofing contractor that will ensure your investment will be protected.