Leaks & Service Repairs

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Reroof Estimates & Inspections

757-399-3066 ext 1 (Reroof Estimates & Inspections)

Tag: roof damage

What You Need to Know About Roof Damage and Insurance Claims

If you’ve had some damage to your roof, you may be wondering if you should make an insurance claim.

The first thing to note is that every insurance company and every policy is different. The key is hiring a roofing contractor who can work with you through the process regardless of what it looks like.

At Andrews Roofing, we are experienced in working with clients and insurance companies for roof damage that has been caused by the frequent storms we get in Hampton Roads. Not all roofing companies work the same way, but here’s a bit of insight into how we help our clients work through the damage, insurance claim and repair or replacement process.

Roof Repairs

Depending on the extent of your repair needs, we may send an estimator out to take a look first. If it’s a few blown off shingles or nail pops, we can likely give you an idea of the cost over the phone and then schedule a repair at that time. From there, you can file a claim with your insurance company. We will provide you with a detailed and professional invoice to submit with other required insurance paperwork.

If a repair is major or requires partial replacement, we may send an estimator out to take a look first. Armed with a written estimate, you can reach out to your insurance company first to see what may be covered under your policy. Although we generally do not need to get involved first-hand with your insurance representative, we are happy to do so if it helps with the process.

Roof Replacements

If it is clear that your roof needs to be replaced, we will send an estimator out before providing any quotes on work or pricing. Our sales department will schedule an appointment with you to inspect the inside and outside of your roof. They will discuss options and budget before providing a written estimate for you to review. At this point, we highly recommend reviewing this estimate with your insurance representative. Some companies may only pay for a one-for-one roof replacement. This means that if you choose a different material, it may not be covered. It’s also critical to know whether the insurance company will cover any portion of the replacement if your roof is older and beyond its predicted lifespan. They may determine that the roof failed due to its age, rather than damage that is otherwise covered.

Roof Warranty Claims

If your roof is fairly new and has sustained damage, it’s possible that you have a manufacturer warranty on the materials. Ideally your roofing contractor will have talked to you about the warranty of the materials you chose and provided you with information on making a claim. For instance, one of the products we offer to our clients are CertainTeed shingles, which carry a wind warranty of 110 to 130 mph. As long as they are installed property per the manufacturer specs, clients shouldn’t need to worry about paying for any storm damage out of pocket. Keep in mind, you may first need to reach out to the warranty provider, then contact your roofing contractor to perform the warranty or replacement.

The Bottom Line

Before you ever need repairs made to your roof, make sure you understand your homeowners insurance. Talk to your rep to ensure your roof will be covered in the case of a storm or other natural disaster. Understand what their claims process looks like. When damage does happen, reach out to your insurance company as soon as possible and document everything. And, of course, only use a licensed, insured roofing contractor who is experienced in both roof repair and replacement and who can provide a professional written estimate, manufacturer warranty information and great service.

If you’ve had damage to your roof and you live in Virginia Beach, Chesapeake, Norfolk, Portsmouth, Suffolk or any of the other surrounding Hampton Roads cities, Andrews Roofing can help. Contact us today and we’ll help you determine the best course of action for getting your roof back in working order.

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Prepping for Common Hurricane Roof Damage

Here in southeast Virginia we are solidly inside of hurricane season, and while we have been lucky not to be hit with a direct storm recently, the impact of some kind of tropical system is inevitable.

As most of us know all too well, with storms comes storm damage. Thanks to Hampton Roads’ proximity to the coast, we often feel storm surge and hurricane force winds the worst. There are things you can do to be personally prepared for a storm, as well as things you can do to help secure and protect your home, including your roof. But there are also things that you simply can’t protect your home against, and instead need to be rigorous about post-storm inspection of your property to identify any damage as soon as possible. Let’s talk about how you can play both defense and offense to protect your home from long-term storm damage.

Pre-Storm Preparation
While you can’t control or prevent all possible damage, there are things you can do to prepare your roof for a storm. Here’s a quick checklist you can use to offensively protect your roof from the next hurricane or tropical storm.

  • Check for any loose flashing. If any flashing is loose or missing, repair it before a storm comes to avoid any water damage and possible leaks. Loose flashing can also become a hazard if blown off your home during wind gusts.
  • Check your gutters. Clean gutters will keep water away from your roof when those torrential rains start. You should also check to ensure gutters are well secured to avoid them becoming projectiles during strong winds.
  • Repair and replace missing shingles. It may seem counterintuitive to replace missing shingles or repair damaged ones before a storm, but the reality is that one missing shingle makes the rest of the shingles around it vulnerable to winds. If one or more shingles are missing or damaged in such a way that they are more likely to blow off, then the rest of your roof is at risk. Replacing a few shingles now can prevent the need for dozens of replacements after the storm.
  • Inspect your roof from the inside. Take some time to inspect your roof from inside your attic, paying careful attention to where any rooflines join up, looking especially for any wet or dark spots that may indicate an existing leak. If there is an existing leak, even one that has not been problematic before, it will only get worse during a storm, and could cause major interior damage. Repair a small leak now before it becomes a major leak in the middle of a “shelter in place.”

Post-Storm Inspection
After a storm, doing an inspection of your property will help you identify issues quicker, making it easier to fix them before they become a major problem as well as being able to file for any necessary homeowners insurance claims. Here’s a quick post-storm roof inspection list of things to look for:

  • Missing shingles
  • Loose or clogged gutters
  • Loose or missing flashing
  • Debris that may still be on the roof
  • Visible leaks or holes from inside your attic
  • Damaged or warped shingles
  • Dents in metal roofing
  • Broken slate tiles

What to do if there is damage
If you find any of these items during your inspection, contact a roofing company right away. If possible, get familiar with roofing companies in your area before a storm rolls through so you know who to call if needed. Do research online and read client reviews, websites and get neighbors’ opinions. Only call companies that are licensed and insured and have a good reputation in the community.

Getting a professional opinion and estimate will be critical when filing any necessary homeowners insurance claims. Remember that after a major storm, roofing companies will be swamped with calls, so getting in touch early is the best way to get your issues taken care of as quickly as possible. Do not attempt to fix these issues yourself as roof repair work is potentially dangerous, not to mention any repairs you make yourself may not be covered by your insurance and may void warranties on your roofing materials.

Andrews Roofing Can Help
Whether it’s before a storm or after, if you have concerns about your roof, please contact Andrews Roofing. We’ve worked in Virginia Beach, Chesapeake, Norfolk, Portsmouth, Suffolk, Newport News and Hampton for decades and we have an excellent reputation in the Hampton Roads community for quality workmanship and customer service. We understand the unique roofing issues that homeowners encounter in the Tidewater region, and we can help you make the best decision for your home.

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How to Reduce the Risk of Fire Damage

Your roof doesn’t just finish off the look of the house. It protects you, your family, and your belongings. If your roof becomes damaged, it is not going to provide that protection. The following are some measures to take to reduce the risk of fire damage to your roof.

Use Fire-Resistant Materials

When your roof is installed, speak with the contractor about the type of roofing materials being used. If it costs a little more to get a higher-class material, it is often worth the investment. Class A roofing materials are the most fire-resistant, followed by Class B, then Class C, which are each less resistant than the one before. There are also unrated materials, which are the least resistant to fire.

Repair Holes and Gaps

Fire-resistant roofing materials will begin the job of protecting your roof against fire damage, but you should also have holes and gaps repaired. Damaged areas of the roof won’t have the same protection as other areas. Whether you’re missing some shingles or have a gap in your flashing, a fire could sneak through those damaged areas and into the less protected areas underneath.

Regularly Clean the Roof

Fire-resistant roofing materials doesn’t mean fireproof. If you have a lot of debris collected on the roof and it begins to burn for an extended period of time, the heat could eventually get to your roofing materials and ignite them. Any time debris falls on the roof, due to the change in seasons or the change in weather, be sure it gets cleaned off.

Gathering More Information

To learn more about roof maintenance and what you can do to keep your roof in good condition, contact the professionals at Andrews Roofing. Call 757-296-0553 or email us today for more information!

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