If you haven’t had to deal with a storm-damaged roof before, you might be surprised to know that a standard roofing warranty does not cover storm damage. In today’s post, the roofing and siding contractors at Allstar Construction discuss why this is so, and what can be done in the event your roof suffers storm damage.
What Do Standard Warranties Cover?
A standard roofing warranty typically includes coverage for manufacturing defects and installation mistakes. The part that covers manufacturing defects is also known as manufacturer’s or factory warranty and involves the replacement of materials in case of issues like roofing blisters or premature shingle failure. Some manufacturers may cover both material replacement and labor, others just the former. Workmanship warranties cover the installation mistakes and can either be covered by the contractor (sometimes as a “quality guarantee”) or by the manufacturer through certified contractors.
Damage caused by severe storms is generally considered as “acts of God” — that is, outside the coverage of both manufacturing and installation warranties. Some roofing systems are rated for wind resistance. However, it will only be eligible for coverage if the recorded wind speed that caused the damage is below what it’s rated for. Some roofing manufacturers may also offer add-ons for extended coverage against wind damage, hail, and puncture damage.
What You Should Do In Case of Storm Damage
Most homeowners’ insurance policies provide coverage for storm damage roof repair costs, after deductibles. The process is fairly straightforward: contact your insurance provider about your roof’s situation, and they will send a representative to inspect and document the damage. You should also call one of your trusted local roof repair companies to perform a thorough roofing inspection and an estimate of the roof repair costs. These documents will be submitted to your insurance provider’s representative, who will file the claim on your behalf.
It’s important to note that the actual amount that will be paid out will be lower because of deductibles. Usually, approved claims are paid out in two parts: the first check covers the downpayment of the repairs and is usually addressed to the roofing company. The second will cover the remainder of the approved amount.
Allstar Construction is the leading provider of roofing services, including water and fire restoration. Give us a call at (763) 373-1066. You can also fill out our contact form to schedule an appointment. We serve customers in Minneapolis/St Paul and the surrounding communities.