Storm Damage and Roof Repair: How to Assess and Handle Insurance Claims
Sean Baber • May 30, 2024
Your roof is your home’s first line of defense against the elements, but severe storms can put it to the test. From strong winds to hail and heavy rainfall, storms can cause significant damage to your roof, leading to leaks, structural issues, and potential safety hazards. As a homeowner, knowing how to assess storm damage, roof repair and navigate the insurance claims process is essential to restoring your roof’s integrity and protecting your investment. Baber Enterprises will provide you with valuable insights on assessing storm damage and handling insurance claims effectively.
Assessing Storm Damage
- Exterior Inspection : After a storm, visually inspect your roof for any visible signs of damage, such as missing or damaged shingles, dents or cracks in roofing materials, or displaced flashing.
- Interior Inspection : Check your attic or ceiling for signs of water leaks, such as water stains, damp spots, or peeling paint. These could indicate roof damage that may not be visible from the outside.
- Document Damage : Take photos or videos of any damage you find, as well as the surrounding area. This documentation will be crucial when filing an insurance claim.
Contacting Your Insurance Company
- Review Your Policy : Familiarize yourself with your homeowner’s insurance policy to understand what is covered and any deductibles or limitations that may apply to roof service or replacements.
- File a Claim : Contact your insurance company as soon as possible to report the damage and initiate the claims process. Provide them with detailed information and documentation of the damage, including your inspection findings and photographs.
- Schedule an Inspection : Your insurance company may send an adjuster to assess the damage and determine the extent of coverage for repairs or replacements. Be present during the inspection to ensure all damage is properly documented.
Working with Roofing Contractors
- Choose Reputable Roof Repair Contractors : When selecting roof repair contractors to perform roofing service or replacements, choose experienced and licensed professionals with a proven track record of quality workmanship.
- Obtain Estimates : Obtain multiple estimates from roofing companies for the necessary roofing service or replacements. Ensure that the estimates include detailed information on materials, labor costs, and timelines.
- Coordinate with Your Insurance Company : Provide your insurance company with the estimates from the roofing contractors and coordinate with them throughout the roofing service process to ensure coverage and reimbursement.
Completing roofing repair or service
- Obtain Necessary Permits : Depending on the extent of the roofing service or replacements, you may need to obtain permits from your local building department. Your roofing contractor can assist you with this aspect of the roofing service.
- Monitor Progress : Stay in communication with your roofing contractor throughout the roofing service or replacement process to ensure that the work is completed to your satisfaction and in compliance with building codes and manufacturer warranties.
- Final Inspection : Once the roofing service or replacements are complete, schedule a final inspection with your roofing contractor to ensure that the work meets your roofing service expectations and any applicable building standards.
Follow-Up with Your Insurance Company
- Provide Documentation : Submit all invoices, receipts, and documentation related to the roofing service or replacements to your insurance company for reimbursement. Keep copies for your records.
- Review Settlement : Review the settlement offer from your insurance company to ensure that it covers all necessary roofing service or replacements. If you have any questions or discrepancies, follow up with your insurance adjuster for clarification.
In conclusion, assessing storm damage and handling insurance claims for your roof can be a complex process, but with the right knowledge and guidance, you can navigate it effectively. Baber Enterprises, roofing contractors, is here to assist you every step of the way, from assessing damage to completing roofing service or replacements and coordinating with your insurance company.
Contact us today for expert roofing services and peace of mind knowing that your roof is in good hands.
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If you’re thinking about a new roof, chances are you’ve typed into Google something like, “Is a metal roof better than shingles?” We get it. As roofers serving Harrisonburg , Staunton , Waynesboro , and homes across Augusta County, we hear this question around the kitchen table all the time. And the truth is — there’s no one-size-fits-all answer. Let’s walk through the real pros and cons of each, so you can feel confident when it’s time to choose. Durability: How Long Will It Last? Metal Roofs: If you want a roof you won’t have to think about for decades, metal is a solid bet. A standing seam metal roof can last 40–70 years. It’s tough against wind, hail, snow, and even fire — which matters with the weather swings we get in Central Virginia. Shingle Roofs: Asphalt shingles usually last 20–30 years, depending on the quality and maintenance. They’re sturdy, but more prone to wear and tear over time, especially after repeated storms or sun exposure. Upfront Cost vs. Long-Term Value Shingles: Shingles are typically less expensive upfront, making them a great choice for homeowners on a tighter budget or those planning to move within 10 years. Energy Efficiency: Shingles, especially darker ones, tend to absorb heat — but new technologies in premium shingles are helping improve this (we’ll get to that in a second) Metal: Metal roofing comes with a higher initial price, but fewer repair needs and longer life mean it often pays for itself in the long ru Energy Efficiency: Which Roof Keeps You Cooler? Metal roofs reflect sunlight and reduce heat absorption, which helps keep your attic (and electric bill) cooler in the summer. Curb Appeal: What Looks Best on Your Home? Shingles: Come in a variety of colors and textures, blending beautifully with most home styles — whether you have a rancher in Waynesboro or a historic two-story in Staunton. Metal: Delivers a clean, bold look that fits both modern and farmhouse aesthetics. It also comes in different panel styles and colors, offering more design flexibility than most people expect. Maintenance and Repairs Shingle roofs may need the occasional repair after storms or years of wear, especially if they weren’t installed properly. Metal roofs require less maintenance overall and hold up longer without patchwork — though denting from severe hail is still possible. 🏠 Need a checkup or patch? We’ve got you covered with reliable roof repairs . ⭐ Best of Both Worlds: GAF TimberSteel™ Roofing System So here’s where things get really interesting — because not all shingle roofs are created equal. At Baber Enterprises, we install the GAF TimberSteel™ Roofing System — a premium metal shingle solution that bridges the gap between traditional shingles and metal roofing. Why TimberSteel™ Stands Out: Built to last with multi-layer durability and industry-leading wind resistance LayerLock™ technology helps seal out wind-driven rain and protect against blow-off StainGuard® Plus keeps your roof looking clean and streak-free Architectural style for eye-catching depth and curb appeal Backed by GAF’s Limited Lifetime Warranty Think of TimberSteel™ as the “luxury SUV crossover" of asphalt and metal— stylish, tough, and ready for whatever Virginia weather throws your way. It's the go-to choice for many of our clients who want the protection of metal roofing with the familiar look of shingles. 🔨 So… What’s Right for You? Want a long-lasting, low-maintenance roof with bold looks? 👉 Go metal . Looking for a trusted, affordable option that still performs well? 👉 Shingles are a smart pick. Want the best of both worlds — top-tier performance with architectural curb appeal? 👉 Consider GAF TimberSteel™. Whatever your situation, we’ll help you figure out what fits your home, your goals, and your budget. 📞 Let’s Chat About Your Roof Whether you're ready to schedule or just want honest advice, the team at Baber Enterprises Roofing and More is here to help. We’ve been roofing in the Valley for three generations, and we treat your home like it’s our own. ✅ Free inspections ✅ Expert guidance ✅ Local crew. No pressure. 👉 Contact us today ›
