Fallen trees can cause costly and extensive damage to your roof. Tree diseases, extreme weather conditions, or the actions of others can cause trees to bend, break, and fall onto nearby structures.
You may wonder what to do after the initial shock wears off. There are many things you can do after a fallen tree to minimize your losses and get back on track financially.
First Things First
If a tree falls onto your home and compromises the roof structure, you and your family are at risk of serious injury from collapsed walls or shattered glass. You may have to remove people from affected rooms in more severe cases until the repairs or patches can be done.
If you want to avoid further roof damage, board up your windows or put a tarp on the roof. Cover any openings with a tarp, or another covering (such as painter’s sheeting in the absence of a tarp). Insurance claims can be affected if you fail to minimize further damage.
You can use these receipts to support your claim. Be careful when using temporary patching materials. Wait until high winds and rain have passed before you climb on the roof to repair the damage.
Document Roof Damage
Include photos of the damage with your insurance claim. Insurance companies often ask for proof of damage to determine the amount you are entitled to. Take pictures of the tree that has fallen and the damage to your house.
Contact your insurance carrier
Your insurance company will want the specifics of the incident. Your evidence and vivid description will be most important. Insurance adjusters will ask if you can prove that the tree fell due to circumstances beyond your control such as extreme weather, vandalism, or accident.
What will my claim cover?
You can get help paying for roof repairs or replacements by filing an insurance claim. The amount of money that the insurance company pays will depend on how old the roof is and the extent of the damage.
You may receive a payout for a full roof replacement or just a part of it. If the tree falls on your roof, it may be covered by your policy. If your neighbor’s fallen tree caused damage to your house, your insurance may cover the damages.
You may wish to arrange a free roof assessment with a roofing contractor in Greenville SC if you’re frustrated by the low settlement amount offered by your insurer.
Most insurance adjusters are not as experienced in estimating roof repair and replacement costs or diagnosing roof damage. Roofers can help you convince the insurance company that a replacement is needed or explain why their claim offer is insufficient.
Hire a Professional Roofing Company for Roof Repair or Replacement
A roofing company with experience will be able to assess the damage to your roof and provide you with options for repair or replacement. A new, high-quality roofing system that will increase the value of your house can be a bright spot in an otherwise bleak situation.
Is your roof irreparably damaged? You want to replace your old roof with one that will last a lifetime. Call KM Roof and Home Repair now.
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