Wind can cause damage to your roof, as well as the exterior of your home. Wind damage to shingles can sometimes be obvious in the form of torn, creased and missing shingles. More often than not, wind causes damage to shingles that cannot be seen with merely a quick look from the ground or a ten minute inspection by an adjuster. The correct way to assess damages to shingles affected by wind is a methodical investigation.
Hidden Damage From Wind
Wind damage to shingles, such as lifting and compromised adhesive strips aren’t evident at first look and without a close investigation. Also, if wind causes debris or tree limbs to fall on your roof, there may be hidden structural damage that must be completely inspected by a qualified contractor. In an effort to deny damage, many insurance companies have instructed their adjusters not to check the shingles for lift or debris in the adhesive strip line. Adjusters are also trained to look at the damages brought to their attention by the policyholder. An adjuster will rarely enter a home to see whether wind damage shingles have allowed water to enter and cause interior water damage that an untrained eye may not notice. This puts policyholders at a huge disadvantage. Improper investigation and denial of your claim for wind damage to your roof can be a breach of contract by the Insurance company and violation of Texas law.
You Need an Independent Professional to Inspect Your Roof
Many property owners only call their insurance carrier to survey the roof for damage. This is strongly discouraged. If you believe your home may have been damaged by wind, contact a qualified expert contractor to inspect and assess the damages. Our office, at no charge, can direct you to a professional to survey the damage.
The Insurance Company Only Wants to Repair My Wind Damaged Roof. What Can I Do?
You must make a request for full payment in writing. It is extremely difficult to get an insurance company to change is position once it has taken one. Sometimes expert roofers or contractors can help sway the insurance company. Quite often a property owner is required to hire an attorney in the event the insurance company will not change its position. An insurance attorney will review how the claim was adjusted and pursue a breach of contract claim or a bad faith claim against the insurance carrier.