Will Insurance Cover my Roofing Repair?

Jul 20,2018

If you own a home, condominium, or commercial roofing structure, a storm could cost you thousands of dollars in property damage. Rain, wind, and hail has been known to cause destruction at any time of the year, even in the summer, with broken and missing shingles, and holes that cause leaks and deterioration of materials. In fact, roofs in Calgary are put to the test more than other locations due to the extreme temperature and weather fluctuations.

When weather hits your roofing structure, it is necessary to get in touch with your insurance provider immediately, to file a claim. Some of the typical damages include:

Damage from Hail

Hail is ice that can be anywhere from the size of a marble, to the size of a golf ball. Most insurance providers will help to cover the repair costs associated with storms, and hail is included in coverage plans. Hail can knock off and damage shingles and depreciate the value of the roof, by damaging the materials.

Wind Storms and Rain

Once high winds surpass 90km per/hour, it is considered a wind storm. The worst wind storms can cause severe damage to your roofing system, leaving it susceptible to leaks, and if insulating components have been affected it could result in reduced energy efficiency. If rain has accompanied the wind it could back up gutters and drainage systems with leaves, hail or other debris, and cause water damages inside the structure.

Water damages are usually a separate coverage plan than standard structural coverage agreements, so it is very important to consider maintenance and inspections after high winds and rain.

Ice Dams

One of the most important issues to protect the roofing system against is Ice Dams. The harsh winters in Calgary pose a number of problems when it comes to the structural integrity of the roofing system. An ice dam is caused when warm air from the home melts ice on the roof, but the cold air from outside freezes it. This results in a block of ice on the roof, and water gets trapped between the dam and roof. If the roof has any damages at all the water caused by the dam can leak back into the attic, causing water damages. Ice dams can be prevented entirely by preparing for them before the ice and snow season begins. This can be accomplished by sealing air leaks, improving ventilation, increasing insulation in the attic, and installing an ice and water shield under the roof. When the storms pass through, the roof will be in a much better position to handle the extreme Canadian winters.

If you have experience damages to your roof, and you are not sure if the insurance plan has you covered, Royal Roofing can help. Royal Roofing has worked with a number of providers and would be happy to let you know if the damage you have experienced is typically covered. Royal Roofing assists their customers with dealing with insurance companies and getting work done after a severe storm to ensure that the integrity of roofing system is maintained, and repairs are fast and effective to prevent damage and depreciation.