Posted on: 16 October 2018
Whether your roof has mild to moderate leaking or significant visual and structural damage, if the damage comes as a result of a storm, there are some things you should know about the cost of repairs. Knowing what to expect regarding costs will help you make the best choices to fix your roof in a timely manner. Below are the top five things you should know about the cost of repairing storm damage to your roof.
Roof Assessments Are Not Always Free
In general, roof assessments range from free to $200. Some reputable roofing companies offer free assessments under certain circumstances. For example, if you know the storm caused damage to your home and you want a quote for repairs, your assessment is more likely to be free than if you are unsure of whether you have damage and want a general assessment. After a particularly large storm, some companies may offer a free assessment period because there is likely to be damage to local homes.
However, you should not choose a company based solely on the cost of their assessment. Keep in mind that storm-chasing companies often offer free assessments as part of an insurance scam. But keep in mind many upstanding companies will waive their assessment fee if you choose to complete your repairs with them.
Be Prepared to Pay the Full Cost of Your Deductible
If your roof requires extensive repairs, you should be prepared to pay the full cost of your insurance deductible. You should be wary of companies that offer to pay your deductible for you. Often, these companies make up the cost of your deductible by cutting corners on the quality of materials or workmanship.
You May Pay Less If You Start Repairs As Soon As Possible
Many roofing companies may offer discounts and specials after a particularly damaging storm. Additionally, most insurance companies have limits regarding how much time you can take to file a storm damage claim. By filing your insurance claim as soon as possible after a storm, you are more likely to get full approval for the cost of repairs. If you cannot file your insurance claim immediately, you should take photos for evidence and, if possible, have an assessment completed that clearly states the damage to your roof was caused by a storm.
The Cost of Storm Related Repairs Varies Greatly
The amount of storm damage to your roof will vary based on the location of your home, the type of roof you have, and the age of your roof. You may find that your roof is mostly intact while your neighbor's needs to be completely replaced. This is one reason it's important to get a full inspection even if your neighbors have said they did not have damage after their inspections. The average cost of storm repairs is about $7,203. If you do not have insurance, you should expect to pay the full cost of repairs as most warranties do not cover storm damage. However, keep in mind many companies offer payment plans.
If You Have Insurance, You Should Only Pay the Cost of Your Deductible
If you have insurance and your damage is related to a storm, you should not pay more than your deductible to repair your roof. This should include the cost of temporary repairs you complete on your own, such as covering holes with plastic before a professional can get to your home. You should save all receipts related to your roof to submit them to your insurance company.
Understanding the cost of repairing storm damage is the first step in making a smart decision about repairing your roof. If you have storm damage, call a company such as Family Roofing for an assessment and advice as soon as possible.Share