Western New York can’t seem to get a break from the windy weather! With the seemingly never-ending wind advisories and wind events, it’s important to make sure that you are inspecting for damage. If you are going to file a claim with your insurance company, you will have a window of time in which to do so. If you are going to handle repairs on your own, it is important to do them quickly to ensure no further damage to the interior or exterior of your home.
To identify damage, you will want to inspect both the inside and outside of your home.
Inside, look for water stains on the ceilings or walls. Also, take a look in the attic or crawl space. Do you see signs of water—sagging wood, splintering, moisture/mold. Any of those things indicates damage to the exterior of your home.
Next, take a walk outside of your home. Be sure that you are looking from top to bottom. Some areas to pay special attention to:
- Roof: Are shingles missing, broken, curled, or torn? Damaged or missing shingles can result in water, at a minimum, damaging your roof deck, and more than likely entering your home and damaging your attic, walls, and/or ceiling. It can also result in black mold on your roof, or inside your home.
- Siding: Do you notice any cracks? Are any sections loose or missing? Damaged siding can result in damage to your underlayment which causes interior leaks and mold.
- Gutters: Do any sections pull away from the house or sag? Do you notice any cracks? Damaged gutters allow water to run down the house and pool near your foundation, causing leaks and foundation damage.
- Wires: Many of us have wires that attach directly to the siding or fascia (the part of your roof where your gutters attach) of the house. Look at where the wires connect to your home. Are the connections loose? Is the siding or fascia damaged? Loose wires can eventually pull down—causing outages at best, as well as damage to the siding/fascia where they were attached.
- Flashing: Flashing is the material used along protrusions in the roof to prevent leaking (typically around your chimney, vents, etc). If flashing is missing or damaged, this can allow water to enter your home.
If you see damage, take pictures! This will help if/when you approach your insurance company.
If you see no damage, still take pictures! This will give you a baseline of what your home’s exterior looks like, which will help with future damage claims.
For many homeowners, depending on your insurance and policy, the cost of repairs is limited to the cost of your deductible. It is always a good idea to contact a licensed contractor to not only assess the damage/get a full scope of the damage, but to work directly with the insurance company to ensure that all repairs/replacements are code compliant and fully completed.
If you decide to try to make the repairs yourself, be sure that you are fully aware of all of the damage, and that you feel confident in your ability to make appropriate repairs. Keep in mind that if you attempt a repair and later decide to contact your insurance company, your repairs could invalidate the claim.
And remember, we can help. From free evaluations and estimates for residential customers, to working directly with the insurance companies, we are there every step of the way. Contact us anytime, 585-400-7663 or email@example.com