What you Need to Know about Storm Damage

What you Need to Know about Storm Damage

Located in a precarious area, Texas is most certainly prone to some severe weather events. When it comes to the health of our roofs, any homeowner knows weather is the number one danger to a proper roofing system. No one wants that roof to come crashing down, and certainly not during a storm. Today, we’re going to examine a few of the possible weather situations that could hurt your roof.

Hail Damage

It might not seem like it, but did you know that Texas leads the list of highest numbers of insurance claims related to hail damage? The only other state that came close over a three year span was Colorado who held just over half of the amount of claims. For anyone unfamiliar with the possible damages of a hail storm, the list includes fractured granules of shingles, dents in metal work, cracks in wood frame, and more. Is your home covered with hail insurance? If you’re located in certain parts of Texas, it might not be a terrible idea to look into it.

Wind/Hurricane/Tornado Damage

Close behind hail damage on claim frequency is wind damages. By itself, heavy wind can knock

over trees and powerlines which can crash through a roof in a heartbeat, cause shingle loss, leaks, and more. Further down the line are tornadoes and hurricanes. In certain parts of Texas, this can be a big concern. Since the year 1980, there’s been a reported landfall of 81 hurricanes, a good chunk of which landed in September of their year. These terrifying moments, of course, pose a massive risk to your roof system and home in general. If these are major events in your area of Texas, consider an Act of God policy; it may save you some day.

Rain/Ice Damage

Some sources claim that one in fifty homes with rain damage insurance policies will file a claim. Outside of the predictable risk of leaks, mold, and rot, heavy rain or melting snow in certain climates can cause dangerous ice dams. Left untreated and given the right cocktail of weather and temperature, ice dams can cause hard to find leaks and damage to your roofing system and frame. Be wary when filing a claim for these damages, though: your current roof condition can affect a claim, so make sure you’re keeping your roof up to date with inspections and repairs if you live in an area where the risk for this type of damage is high.

Lightning Damage

Some sources claim that one in fifty homes with rain damage insurance policies will file a claim. Outside of the predictable risk of leaks, mold, and rot, heavy rain or melting snow in certain climates can cause dangerous ice dams. Left untreated and given the right cocktail of weather and temperature, ice dams can cause hard to find leaks and damage to your roofing system and frame. Be wary when filing a claim for these damages, though: your current roof condition can affect a claim, so make sure you’re keeping your roof up to date with inspections and repairs if you live in an area where the risk for this type of damage is high.

Claims and Upkeep

Texas might be a wonderful place to live, but it does have its share of downsides when it comes to the risk of weather damage. The most important thing you can do to save yourself from the uncertainty of the future is to make sure your insurance policy matches the risk of your particular area. If you do run into the misfortune of having to deal with storm damage, call your insurance company right away. They can help walk you through filing the appropriate claim to get you back on your feet.

Before it comes down to that, though, contact a local roofing company. A trusted company like Promise can help you to make sure that your roof is in the condition it needs to be in to survive whatever this world throws your way.

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