Storm damage to your roof can be a nerve-wracking experience. The question of whether to repair or replace your roof after a storm can be a difficult one to answer, especially if you’re not familiar with the process.
However, it’s a decision you’ll have to make sooner rather than later. There are several things to consider when deciding whether to repair or replace your roof.
Assess the Damage
Evaluating the damage to your roof may require a thorough inspection by a roofing contractor, who can provide a detailed report on the extent of the damage. If you’re comfortable doing so, inspect the roof yourself. Look out for the following:
- Missing or broken shingles or tiles
- Dents or cracks on metal roofing
- Holes or punctures in the roof
- Leaks or water damage inside your home
If the damage is minimal, it may be possible to repair the roof. Otherwise, you might need to replace the roof entirely.
Determine the Age of Your Roof
If your roof is nearing the end of its expected lifespan, replacing it rather than repairing it may be more cost-effective. A new roof will likely last longer and require less maintenance in the long run. Additionally, a roof that is more than 20 years old may not be up to current building codes and could pose a safety risk to your home.
On the other hand, repair may be the better option when your roof is relatively new and in good condition apart from the storm damage. A roofing contractor can determine whether repairing or replacing your roof is the best choice based on its age and condition.
Check Your Insurance Policy
Review your homeowner’s insurance policy if a storm has damaged your roof. Many policies cover storm damage, and you may be able to get financial assistance for repairs or replacement. However, the amount of coverage will depend on your policy and the extent of the damage, among other criteria. Be sure to read your policy carefully and contact your insurance company to understand your coverage.
When you do need to file a claim, document the damage with photos and keep receipts for any repairs or replacements. Your insurance company will likely send an adjuster to assess the damage and determine the amount of coverage you’re eligible for.
Consider the Cost
Repairing a roof is generally less expensive than replacing it, but it may not be the most cost-effective option if the damage is extensive. If you’re unsure which option is best for you, request quotes from several roofing contractors for repairs and replacement. Doing so will give you a better idea of the costs involved and help you make an informed decision.
Bear in mind that some insurance policies have a deductible, which is the amount you must pay out of pocket before the insurance coverage kicks in. Make sure you understand your deductible and factor that into your decision-making process.
When it comes to repairing or replacing your roof, there are several factors to consider. The age and condition of your roof, the extent of the damage, and your budget are all critical factors to take into account. Remember that storm damage can be a safety hazard, so address the issue immediately. Consult a professional roofing contractor to help you determine the best course of action for your roof.
If you’re in need of a roof repair or roof replacement, BMR Homes Inc. Remodeling and Restoration can help. Our storm restoration contractors in Homewood can determine the damage to your roof and offer you a myriad of options to fit your budget and needs.
Call us today at (205) 438-9986 for more information.