Did Your Roof Suffer Damage This Fourth Of July? What You Should Do Next
The Fourth of July is widely a holiday celebrated by outdoor barbecues, games, and, of course, fireworks. However, with all of the fun and games come some risks as well. If you are a homeowner, one of the many reasons that you might be concerned about the holiday is that stray fireworks or even sparks from those that are shot off away from your home could do serious damage to your roof.
If this year your roof did indeed sustain damage, you may wonder what you can and should do to ensure you get your roof back in proper working order as soon as possible.
Have a Roofing Contractor Give You an Estimate
The first step you will want to take when your roof has sustained Fourth of July holiday damage is to contact a roofing contractor from a business like 5 Star Roofing to get an estimate for your roof damage repairs. After the Fourth of July, it may be tough to get an appointment with a contractor right away. This is because many people suffer the same fate that you did over the holiday.
The morning after the holiday (or the next business day), call a roofing contractor and schedule your appointment. When the contractor arrives at your home, let them know what happened to your roof and where the known areas of damage are so you can point them in the right direction.
After they inspect the damage, they will give you a rough estimate for the needed repairs. Keep in mind that while many estimates are accurate, it is always better to assume the final cost will be at least a few hundred more than the estimate. This will help you avoid any unpleasant surprises after your repairs are complete.
Contact Your Homeowner's Insurance Company
Depending on the extent and the projected costs of repairs for your roof, you may need to contact your homeowner's insurance provider. Generally speaking, you do not want to report the smaller issues of damage to your home because you will not reach your deductible and your rates could skyrocket if you file minor claims.
As such, you will need to consider your repair estimate when you are deciding whether to contact your insurance company. If the costs of repairs are low, which in terms of home repairs tends to be anything less than or close to your deductible, you should probably pay out of pocket.
Most financial experts tend to indicate that damage less than $3,000 to $10,000 should not be reported to insurance companies for this reason. So you need to make a decision about contacting your insurance carrier based on your deductible, what you can afford to pay on your own, and the possibility of homeowner's insurance that could increase substantially. If you do decide to file a claim, be sure that you do so before any repairs are started to ensure your claim is accepted. That way you do not get into financial trouble if they do not accept the claim.