Certainly, nothing is certain. Texas might not be known for a consistently volatile weather system, but we do know that it can be downright unpredictable at times. Obviously, we all know that weather is the primary fear when it comes to the health of our roof, so we’re going to look at some of the common weather issues that homeowners have the unfortunate chances of encountering.
1: Hail Damage
Hail damage is something that Texans are all too familiar with, considering that Texas had the highest number of claims for hail insurance for the past three years (the next on the list was Colorado who had just over half of that amount.) The damage that hail can cause is vast and differs greatly on the materials your roof is made of (i.e. fractured granules of shingle roofing, dented metals, etc.) The good news is that hail damage is typically covered in most primary insurance policies, but if your policy doesn’t cover hail damage it might be time to consider upgrading.
2: Wind/Hurricane Damage
Coupled with hail damage, wind damage makes up for another large chunk of insurance claims. This statistic, of course, includes hurricane damage which can be downright devastating. Since 1980, there have been a total of 81 hurricanes that have made landfall in Texas, so it really is no laughing matter here. Outside of those tragic events, wind damage is a common event that can result in shingle loss, leaks, fallen trees, and more. Most homeowner insurance policies cover Acts of God and Wind damage (including damage caused by trees).
3: Rain Damage
Estimates say that about one in fifty insured homes will, at some point, file an insurance claim regarding rain damage. Aside from the obvious leaks, rot, and mold, heavy rain damage in certain areas can also lead to ice dams. As long as the leaks aren’t caused by carelessness, most policies will also cover water damage.
4: Ice Damage
If left untreated, snowmelt or cold rain can cause ice dams which can turn into leaks that are hard to detect. Outside of this, the constant wear and tear from cold climates will invariably damage the materials of your roof system. Live in a colder climate or expecting a particularly harsh winter? Adding winter storm insurance to your policy might not be a terrible idea. Be careful, though: the condition of your roof can have an effect on the claim, so be sure that your roof is up to snuff.
5: Lightning Damage
Heavy lightning storm areas are at risk for blast damages. It’s not particularly common, but last year Texas ranked #2 for lightning loss insurance claims right behind Florida. Outside of displacing the shingles on your roof, lightning also poses a risk for fires if it hits the wood frame below your roof.
What do I do if any of these events happen to my home?
Unfortunately, Texas obviously houses some worries when it comes to weather damages to your roof. Ensuring that you have proper insurance coverage might seem financially cumbersome, but it’s better than kicking yourself without it.
If you experience any storm related damage, contact your insurance company as soon as you can and file a claim. Make sure you give them complete information, ask about the cost for repairing or replacing your roof, and contact your roofing contractor to ensure claim accuracy.
Whether it’s before or after a storm damages your roof, reach out to a local roofing company. Dependable companies like Iron Horse can help walk you through the steps to protect, repair, or replace your roof and help you understand how to process your claim to make sure you can get back on your feet.