Leaks & Service Repairs

757-399-3066 ext 3 (Leaks & Service Repairs)

Reroof Estimates & Inspections

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

Tag: roof leak

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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Anatomy of a Roof Leak

No one wants to hear that dreaded “drip drip drip” that means you’ve got a roof leak. Or looking up and suddenly seeing a big dark spot on the ceiling. But when you do, your first thoughts are probably “how did this happen?” and “where exactly is this coming from?” Understanding the answers to these two questions is the key to getting your roof leak fixed quickly and efficiently and also to possibly avoiding them in the first place.

How do roof leaks start?

Typically, a leak will start one of two ways: damage or deterioration. However, there are many different types of both damage and deterioration that may have occurred and that might not be immediately obvious. Here are several that are common for homes in the Hampton Roads area.

Storm Damage

This likely is the most obvious source of a roof leak and also one of the most common in the Tidewater region. Thanks to hurricanes, nor’easters, snow storms and torrential rains, there are myriad ways a Hampton Roads roof can be damaged. But storm damage isn’t always as obvious as a giant tree falling through your roof. Sometimes damage can occur that isn’t noticeable right away. Hurricane force winds can blow flashing off a house, which can eventually lead to water damage and leaks. Winter storms can cause limbs heavy with snow or ice to drop onto a roof and cause a hole that you aren’t able to see or hear right away. Torrential rain can cause gutters to overflow and damage roof decking.

Your homeowners insurance may cover this type of damage, but you have to identify it and file your claim in a timely manner. This means that after each major storm, you should visually inspect your property for any damage on both the inside and outside of your roof. If you believe any damage may have occurred, you should call a licensed roofing company to come and physically inspect and provide any estimates needed for insurance purposes.

Clogged Gutters

Clogged gutters are a common cause of roof leaks, but they are also one of the most preventable. When gutters are clogged, water can build up on the roof, getting under the shingles and causing water damage that could eventually lead to a leak. If you notice dark spots on your ceiling near the outer edges of the house, this may be a gutter issue. Cleaning your gutters (or having them cleaned by a professional) 3-4 times a year is the best way to avoid this issue altogether.

Condensation

Believe it or not, a leak can start inside your home, without the exterior of your roof being damaged at all. That’s because condensation build up in an attic can cause interior leaks. This happens when there is not proper ventilation or proper insulation that would prevent extreme temperature changes – something that is not uncommon here in southeast Virginia. In addition to causing leaks, this condensation build up can also be the source of mold and mildew. Ensuring proper ventilation and insulation is installed in your attic and along your roof line is critical to avoid this type of leak.

Missing or Damaged Flashing

Flashing is just as critical to the integrity of your roof as shingles. Flashing is the metal that covers joints and seams on a roof, and when it is not installed and sealed properly, water can enter and damage the roof decking. If flashing isn’t well attached, it can move or get blown away during a storm. It also ages just like shingles, so corrosion or cracks in the metal could also allow water to enter your home. If some of your flashing is visible from the ground, inspect it after every major storm. However, some flashing may be difficult to see or access and in those cases, a licensed roofing contractor can inspect those areas if you believe there is an issue.

Deterioration

If your roof is nearing the end of its lifespan, it may be deteriorating and causing leaks. Every roof has a lifespan, although that number can vary greatly depending on the material used. For traditional asphalt shingles, 20 years is usually the lifespan. Fiber cement shingles can last closer to 30 and metal roofing can last for 50 or more years. As roofing materials age, they can become brittle and shingles may crack or warp, allowing water to get underneath. They may also fall off more easily – even during a less than severe storm. If you know your roof is nearing the end of its life, it’s better to replace it before a leak causes interior damage, requiring you to repair multiple areas of your home.

What to do when your roof starts leaking

When a leak occurs, it’s time to bring in the professionals. Roof repair can be dangerous for the average DIY’er and if not done properly, can cause more damage or void material warranties. Instead, research your local roofing contractors and find one with a good reputation in your community. The sooner you contact them, the less damage the leak can cause, so don’t put this task off.

At Andrews Roofing, we’ve been helping homeowners in Hampton Roads repair or replace their roofs for decades. We have experience with the specific types of damage and leaks common in this area, and we have the knowledge, skills and experience to make it right, right away. Contact us today.

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