Since 2006, we have been repairing, replacing, and restoring roofs all across the Fort Collins area. Our roofers are experts in every step of the storm restoration process. Today we're leveraging our industry knowledge to answer the top FAQs on storm damage repairs.
6 FAQs Answered By Experts In Storm Damage Repair In Fort Collins, CO
From hail damage repair to water damage repair, storm-related restorations can be tough work. Give yourself peace of mind about the process by reading through our helpful FAQ guide below.
1. What Does A Storm Damaged Roof Look Like?
Storm damage can show up on your roof in many different ways. A fallen tree on your house, for instance, is one of the most obvious signs of damage. However, it won't always be that simple to spot storm damage on your roof.
Some signs of storm damage are more subtle and require a closer inspection by a licensed professional. These signs of damage may include:
- Loose or missing roof shingles
- Dented, broken, or warped roof shingles
- Sagging or dysfunctional gutter systems
- Dented, rusted, or loose flashing
2. Where Else Might I Find Storm Damage On My Property?
Aside from your roof's exterior, other areas of your property may have suffered storm damage as well. These signs of storm damage may include:
- Interior signs of damage (e.g., water stains on your ceiling/walls, light beams in your attic, moisture in the attic, etc.)
- Siding damage (e.g., chipped or dented siding, broken stucco, loose or warped siding, etc.)
- Window damage (i.e., broken or scratched windows)
Only a contracting professional can identify all instances of storm damage on your property.
3. What Does The Storm Restoration Process Look Like?
Every restoration project looks a little different from the last. In general, your storm restoration in Fort Collins, CO will follow a handful of integral steps. These include:
- Verifying the storm damage with a reliable roofing contractor
- Filing a storm damage insurance claim
- Scheduling the adjuster's inspection
- Working to get all your property damage is covered by your insurer
- Restoring your property
4. Can My Homeowners Insurance Cover My Storm Damage Repairs?
Absolutely! After all, that's one of the things that your homeowner's insurance policy is designed to cover. However, it depends on the type of policy you have and the perils that are covered under your policy (The Balance). In general, most standard homeowner's insurance policies will cover storm damage resulting from:
- Hail storms
- Water and ice
- Fallen trees
- Lightning strikes and power surges
That said, not all kinds of storm damage are covered by standard homeowners insurance policies. Earthquake and flood damage will almost always require policy add-ons to cover the property damage.
Take some time to carefully read through your homeowner's policy. This will help you get a better idea of which perils are covered by your insurer.
5. What Can I Do Until The Adjuster Arrives?
After you file a claim for your storm damage repair in Fort Collins, CO, your insurance company will send out an adjuster to evaluate the damage and your claim. Unfortunately, they might not be able to schedule your property inspection for tomorrow or the next day. And the longer you wait, the worse the storm damage can become.
To prevent further property damage in the meantime, your homeowner's insurance policy may allow you to make temporary repairs (Insurance Information Institute). This could be as simple as installing tarps on your roof, siding, or broken windows to protect the interior from water damage.
Just remember to keep your receipts for the repairs, as any payments for temporary repairs will be part of your total settlement.
6. How Does The Payment Process Work?
Let's assume that your property has suffered storm damage and that your claim has been approved. You will typically receive multiple checks in the mail from your insurer, totaling the sum of your claim amount. Just don't forget to pay your deductible during this process too!
It's important to note that the pay-out of your policy will function more like a reimbursement. You'll be expected to pay your contractor either a portion or the total cost of your property restorations following the project's completion. Your insurer will then reimburse you with those insurance checks as they arrive in the mail.
Restore Your Home With Reliable Storm Damage Repair In Fort Collins, CO
If your home has recently sustained damage from a storm, get the damage repaired ASAP to avoid further property damage. Fortunately, you've come to the right place.
At Ethos Roofing & Restoration, we have many highly experienced storm damage restoration contractors on staff with decades of experience. We've repaired and restored countless storm-damaged roofs, siding installations, and more for the past 15 years. And we're always ready to lend a helping hand to Fort Collins homeowners just like you.
Book your FREE roofing inspection with Ethos today to get started on your storm damage repair in Fort Collins, CO.