When a storm rolls through St. Charles, it often leaves more than just puddles and fallen branches in its wake. Your roof, the unsung hero of your home, might have taken a beating too. But what should you do if you discover storm damage on your roof? Don’t worry—I’ve got you covered (pun intended). Here’s a step-by-step guide to help you navigate the process, with a few laughs and some local flavor along the way.
1. Safety First: Assess from the Ground
Before you do anything, remember that your safety comes first. St. Charles might be known for its charming historic homes and beautiful riverfront, but it’s also known for its unpredictable weather. After a storm, resist the urge to climb up on your roof to check for damage. Instead, grab a pair of binoculars or simply take a good look from the ground.
Look for signs like:
- Missing or damaged shingles: These can often be spotted from the ground. If you see any bald patches on your roof, it’s a clear sign that some shingles didn’t make it through the storm.
- Debris: Branches, leaves, or even larger items that have landed on your roof are a red flag. That big oak tree in your yard might be beautiful, but it’s less charming when its branches are camping out on your roof.
- Gutters and downspouts: Check if they’re clogged, broken, or detached. Gutters filled with storm debris are like a clogged artery—they can cause serious issues if not dealt with.
Taking a careful look from the ground is your first step in assessing the situation. If something seems off, it’s time to move on to the next step.
2. Document the Damage
Once you’ve assessed the damage from the ground, it’s time to start documenting. This is where your inner photographer comes in handy. Grab your smartphone or camera and take as many pictures as you can. Think of it as a photo shoot for your roof—just a slightly less glamorous one.
Be sure to capture:
- Wide shots of your roof: These provide a good overview of the damage.
- Close-ups of any problem areas: Get detailed shots of missing shingles, dents, or debris.
- Interior shots if needed: If you’ve noticed any leaks or water stains inside your home, document those too.
These photos will be invaluable when you file your insurance claim.
3. Check Inside for Leaks
Storm damage isn’t always visible from the outside. Sometimes, the real trouble starts inside. After you’ve checked the exterior, take a walk through your house and look for any signs of water intrusion. Here’s what to watch for:
- Water stains on ceilings and walls: These are often the first signs of a leak.
- Damp or wet spots: If you feel a wet spot on the carpet or notice dampness in the attic, it’s a sign that water is getting in.
- Peeling paint or wallpaper: Moisture can cause paint and wallpaper to peel or bubble, so keep an eye out for this as well.
If you notice any of these signs, it’s important to act quickly. Water damage can escalate faster than the cheers for a last-minute goal at an Ambush game at the Family Arena.
4. Make Temporary Repairs (If Safe to Do So)
If the damage is severe and it’s safe to do so, you might want to make some temporary repairs to prevent further issues. For example, you can cover any holes or missing shingles with a tarp to keep out the rain. Just be sure to document these repairs as well—they might be reimbursable by your insurance.
Remember, safety is the priority here. If there’s any doubt about whether it’s safe to make a temporary fix, it’s better to wait for the professionals.
5. Contact Your Insurance Company
Once you’ve assessed and documented the damage, it’s time to contact your insurance company. The sooner you file your claim, the sooner the process can begin. When you call, be prepared to provide:
- Details of the damage: Describe what you’ve observed and any temporary repairs you’ve made.
- Photos and documentation: This is where all those pictures you took come in handy.
- Policy information: Have your policy number and any other relevant details ready.
Your insurance company will likely send an adjuster to assess the damage. This brings us to the next important step.
6. Schedule a Professional Roof Inspection
Even if the damage seems minor, it’s a good idea to have a professional roofer inspect your roof. They can spot issues that might not be obvious to the untrained eye—like a detective finding clues that everyone else missed.
Plus, having a pro on your side during the insurance adjuster’s visit can ensure that nothing is overlooked. It’s like having a coach who knows every strategy to win—ensuring you get the best outcome for your roof.
At Brody Allen Exteriors of St. Charles, we’re ready to step in and help you navigate your insurance claim with a thorough inspection. With our many years of experience working closely with insurance companies, we understand the process and can help make things smoother for you. Let us handle the details so you can focus on getting your home back to normal.
Need Assistance with Your Claim?
Brody Allen Exteriors can help guide you through the process and ensure your roof is repaired to the highest standards. Many of your neighbors have successfully navigated their insurance claims with our expert assistance.
7. Avoid Storm Chasers
After a big storm, you might find that contractors from out of town suddenly appear, offering quick fixes at suspiciously low prices. While it might be tempting to go with the first offer, be cautious. These “storm chasers” often do shoddy work and may not be around later if problems arise.
Instead, choose a local roofing company with a solid reputation in St. Charles. Local contractors are familiar with the area’s building codes, weather patterns, and the types of materials that work best for your specific needs. They’re also more likely to provide quality work because their reputation in the community is on the line—just like Stefanina’s keeps serving up local pizza favorites because they know exactly what their customers love.
8. Get Multiple Estimates
If your roof needs major repairs or replacement, it’s wise to get multiple estimates before making a decision. This will help you understand the scope of the work and the costs involved. It also gives you a chance to compare different contractors and choose the one that best suits your needs.
In St. Charles, where you’ll find a mix of older homes and new constructions, different roofs might require different approaches. By getting multiple estimates, you can ensure that you’re making an informed decision that’s right for your home.
9. Prepare for the Repair Process
Once your insurance claim is approved and you’ve chosen a contractor, it’s time to prepare for the repair process. Depending on the extent of the damage, the work might take anywhere from a few days to a couple of weeks. Here’s how to get ready:
- Clear the area: Make sure the area around your home is clear of any obstacles that might get in the way of the roofing crew.
- Inform your neighbors: Give your neighbors a heads-up that there will be some construction noise. They’ll appreciate the courtesy, especially if they were planning a quiet afternoon in their garden.
- Stay flexible: Weather in St. Charles can be unpredictable, so be prepared for possible delays if Mother Nature decides to send another storm your way.
Discovering storm damage on your roof in St. Charles can be stressful, but by following these steps, you can navigate the process smoothly and efficiently. From assessing the damage and documenting it to filing your insurance claim and choosing the right contractor, each step is important in ensuring your roof gets the attention it needs. And remember, while it might seem overwhelming at first, you’re not alone—there are plenty of professionals ready to help you protect your home and keep it in top shape. So take a deep breath, follow this guide, and you’ll have your roof back to normal in no time.
Stephen Allen
MISSOURI'S BEST
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