The sky has cleared, you hear the birds in the trees again—the first summer storm of the season has finally abated. Now it’s time to go assess the damage, because that damage, if you live in Minnesota, could be nothing to sneeze at! State Farm, a well-known insurance provider, paid out its third-highest dollar amount in home and auto hail damage claims to the state of Minnesota in 2020—$259.2 million. This amount ranked only behind those of Texas and Illinois, respectively.
But as expensive as storm damage can be on a large scale, on an individual scale, it can be hard to spot. Much of it occurs on your roof, out of your line of sight. Still other cases can start so small—little cracks or dings—that they’re difficult to notice until they become huge, safety-compromising issues. On top of all that, it can be hard to differentiate storm-related damage from that caused by neglect or age, and in the eyes of insurance companies, this makes all the difference when it comes to your coverage.
Midwest Exteriors MN, Lake Elmo storm damage pros, is here to help keep your home going strong this season. Below, we’ll touch on a few signs that your home has taken a hit from the recent passing storm and that you should contact your preferred professional immediately.
You won’t miss hail damage if it’s severe. Not only will you probably hear it happening if you’re indoors during the storm, but you might be able to see it from the ground, and it looks like a miniature meteor shower descended upon your roof! Circular dents in your otherwise flat shingles are indeed the most obvious cause for concern. Luckily, hail damage tends to be covered under a variety of homeowners’ insurance policies, so it often is a relatively straightforward issue to find and pay for.
Seek Professional Help Even if the Hail Damage Is Small
Often doesn’t mean always. It’s not at all unheard of for hail damage to affect only an area of your roof—and for that given area to be out of sight from ground-level. Certain minor cases might also only scrape some granules off of your asphalt shingles, making them hard to see unless you’re up close.
While those issues may begin small, they can quickly snowball if left unchecked. Plus, according to The Voss Law Firm, “sooner is always better than later when it comes to filing a hail damage claim,” as your claim will then have more credibility and you’ll be less likely to suffer underpayment.
Moral of the story: if you hear hail, get a roofing contractor out to the property afterwards—even if your roof appears to be fine. They’ll spot even the smallest bits of hail damage and, if they’re customer-focused like us, help you through the filing process and make it completely stress-free.
If you’ve got missing shingles, chances are the wind has had its way with your roof. Your gutter installation, too, can suffer from this force of nature, pulling away from the side of your home or even falling off entirely. In these severe cases, you’ll obviously need a pro out to remedy the damage, but like hail, wind isn’t always obvious when it strikes.
For instance, flashing—a material used to make sure water doesn’t invade your roof joints—can take a hit in a storm. It’s made of long, thin strips and therefore can’t be thoroughly inspected from the ground. Any sort of high wind, therefore, requires that a pro get up to your roof to make sure that every part of it is still working as it should.
You don’t need to have had a major storm for your roof to suffer this sort of damage, and the reason is simple: trees. As we covered in our roofing company blog, trees can lead to dents in your shingles that are similar in size and scope to hail damage. Plus, if they happen to break off in a storm and hit your roof, you’ll suffer quite a bit more than some dents!
Trimming back those trees is a great way to make sure that your roof is as safe as possible. Even if you do that regularly, though, high winds can still have their way with the most well-maintained plants; we’ve all seen debris littering the roads after a big storm. Given that, like hail and wind damage, this sort of damage isn’t always noticeable, it’s paramount you have a pro out ASAP if you have any concerns.
Midwest Exteriors MN: Return Your Storm-Damaged Home to Normal in a Flash
We’re expert roofing contractors and gutter installation pros, and we’d be more than happy to help you through the insurance claim process for your roof’s storm damage. Reach our Lake Elmo office today at 651-346-9477.