3 Crucial Steps To Take Before Your Roof Gets Damaged
Are you excited to be spending your first spring in your newly purchased home? Do you know what to do if a rainstorm should damage your roof? Although your roof can be damaged year-round, the violence and frequency of storms in the spring and early summer months can result in more damage than during any other time of the year. This is true even if your home has a relatively new roof on it. Before any enthusiastic storms arrive at your doorstep, here are some things you should know how to do:
Covering the damage: One of the first and most important steps to take when your roof is damaged is to either cover the hole or have someone cover the hole for you. Since a roof can be slippery and dangerous after a storm, it's a good idea to leave this step to a roof repair professional. They may not be able to repair your roof immediately, depending on how many other jobs they have first, but most should be willing to send someone out to cover the hole for you. If you do cover the hole yourself, make sure that you do it in such a way that water will be unable to run beneath the tarp or plastic sheet and into the damaged area.
Contacting your insurance: Most homeowner's insurance policies will cover storm damage so that you don't have to cover the full cost of the roof repair on your own. Before anything happens to your home, it's a good idea to review your policy to see what is and is not covered. You should also make copies of your insurance information and store them somewhere safe. If nothing else, you should at least email yourself the policy number and the phone number you'll call to file a claim. That way, if a freak storm sends a tree crashing into your home and takes out the room with your stored records, you should still have access to this information.
Set aside money: If you live in an area where there are strong storms on a semi-regular basis, including hurricanes or tornados, there's a chance that your home might become uninhabitable due to the damage to your roof, even if the rest of the home is more or less intact. Many insurance companies will reimburse your living expenses for staying elsewhere while the roof repair takes place, but you may have to pay for the first week or so yourself before the insurance company starts to pay you back. When reviewing your insurance policy, be sure to check the relevant sections that outline how living expenses are handled.
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