When discussing storm damage with your homeowner’s insurance company, it’s very important to recognize what type it is before contacting your agent. This will also help you to identify how it has affected your home or other structures on your property. The most common forms of storm damage are hail, impact, water, or wind damage, each of which can cause considerable damage to your home or other structures.
The first type of damage to be aware of is hail damage. This can affect an entire home from its patio pavers to the roof to the siding. Identifying hail damage can be extremely difficult, especially if it’s on your roof. You should look for dark spots. This indicates areas where the roofing granules were removed by hailstones. Once they’re missing, there’s an increased risk of cracking and leaking. You need to call in the professionals to take a look.
This type of damage is easier to detect since there are always signs that indicate an impact has occurred. Fallen trees are a sure sign that high winds have occurred. If branches break off the main body of the tree or the entire tree falls, this can directly impact your home or other property structures by causing damage to them. Someone standing under it can get hurt.
Water damage can adversely impact every part of the structure, whether it’s your home or other buildings on your property. Mildew and mold are directly attributed to moisture and water damage. It not only compromises the integrity of your home, it can make it uninhabitable. In order to prevent any costly, long-term damage you must remove any water immediately. You can call in the professionals and they might use pumps to remove that water that is in the basement or around the house.
The last type of damage that can affect your home is caused by high winds. The most common way that wind damages a home is by lifting the roof and/or shingles. High wind causes shingles to break free or crack and leave holes in its wake. In the more severe cases, your entire roof can be lifted and dropped into a hazardous position thereby putting your home and everyone in it at risk.
Regardless of the type of damage that has occurred, it’s important to ensure that your homeowner’s insurance covers it so you can get started on repairs. Otherwise, you’re putting your home and the people living in it at risk. If you’re having a difficult time with your insurance company, it may be time to contact an experienced home insurance attorney. For more information, contact Korin Law, P.A. today.