It’s windy, a small branch comes down and hits the side of your house. It creates a few small holes in the siding, but no other real damage… no harm no foul right? Wrong.
A scratch, dent or hole in siding could allow water to get in. That water could mold and cause thousands of dollars of damage before you notice anything. With older shingles, matching to new shingle styles can potentially prove very difficult due to fading, discontinued styles and other complications. A tip from ORS to you: the insurance company may choose to pay for re-siding a whole side or the whole house if matching is a huge problem.
Similar costs could result from small damage to shingles. If the wind lifts a shingle it can break the seal and/or pull up the nail, creating a hole and access point for water to get into your attic. Once the shingles lay back down you might not know anything ever happened. If the wind does that to say 20 shingles during the first windstorm, when the next one comes one or two might blow off and while not visually appealing, you might decide not to do anything. By the time the third windy day comes along and 6-8 shingles have been blown off, you give us a call because you know you can’t wait any longer. Here’s where the real trouble becomes known to you. Because the original damage to the singles wasn’t the most recent storm, the insurance adjuster might not be able to find a “wind date” (a trackable measure of wind busts in certain areas) or that date might be tracked to being over a year ago and thus out of the insurance claim time frame. Without proof of a “wind date” or being out of the time frame means your insurance company most likely won’t cover the damage. ORS uses software provided by WeatherFusion.com to help your insurance adjuster find the wind date. We want to help you get all the assistance you deserve from your insurance company, but we can’t help until you call!
If you notice any interior damage or staining on your ceiling that means your roof has been leaking long enough to soak the insulation and has gone through the drywall, meaning you need to take care of this situation right away. Determine where the leak is and get it fixed. Thousands of dollars of damage can be done by ignoring a leak!
Lesson: At the first sign of damage, get it inspected!