Roof Damage: Should You Replace or Repair?

One of the most common types of damage incurred by property owners is roof damage.

Even roofing systems which have not been in place very long can be blown around and damaged by hurricanes, blizzards, and ordinary powerful windstorms. When this happens to your roofing system, you’ll probably need to make a claim on your homeowner’s insurance in order to get the damages repaired without having to pay for it out-of-pocket.


After the claim is filed and the insurance company’s settlement offer is received, property owners often discover that the offer only covers partial roof repairs. While your roof may not look like it needs to be totally replaced, a closer inspection might reveal that the damage is far more severe than initially thought.


One common mistake, especially after a large catastrophic weather event, is a rush to get damages assessed. Insurance company adjusters are often caught eyeballing roof damage and recommending partial repairs rather than doing a proper, thorough inspection of the damage.


Sometimes damaged roof tiles and shingles cannot be matched where only a section of the roof was damaged. Most insurers will likely insist that they do not have an obligation to replace the undamaged property. This is not always the case and most “Replacement Cost” provisions within a policy provides for full replacement of the undamaged property.


Here are some things to remember when dealing with roof damage:

Make sure a thorough inspection of the damage is completed.
Roof damage can be difficult to see and often the signs of damage are hidden, hard to find or develop over time. Some signs to look for are darkened spots on the roof, knocked off roof granules and loose shingles.

Consider the total cost of damage.
When a roof is damaged, often the property owner needs more than just the costs of repairing shingles. Roof damage can allow water or other elements into the dwelling, damaging flooring and structural integrity as well as personal belongings. If water gets in, mold spores can develop if the property is not fully and properly dried or replaced.

Contact a public adjuster.
Having an experienced public adjuster on your side takes the guesswork out of the insurance claims process. A good public adjuster will guide you through the claims process, and will negotiate with your insurance company for a maximum claim recovery.

Have questions about your property insurance claim? Feel free to contact Stark Loss for more information about how a Public Adjuster can help.

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