During a storm, many things can happen including hail and wind damage. You need to know what to look for in order to assess storm damage to your home properly. Here are some helpful tips to help you assess damage to your home after a storm hits in the Chicago area.
If your Chicago-area home has an asphalt shingle roof, hail damage looks like a dark spot or a bruise. This is where the roofing granules have been swept away. You may also find holes, cracks, or missing shingles. Strong winds may cause split seams and missing or torn shingles. Without a fast roof repair, this can cause leaking and serious water damage, which can lead to other problems like mold and wood rot. On wood roofs damage can include broken, cracked, or missing shingles, split seams, or a whole section of your roof could be missing. You may even have structural damage from a fallen tree that landed on your roof. Look for missing shingles, bruised or dented asphalt shingles, cracked or broken tile, slate, or concrete shingles, granules collecting in gutters and downspouts, leaks in your roof or ceiling, dents on vents or gutters.
During a storm, the exterior of your house sustains the most damage and often requires siding repair. Hail, heavy rain, flying debris, and wind are the most common causes of exterior damage. After a hail storm, you may notice discolored spots, dents or chips in your siding or paint. Look for dings and dents, cracks and splitting, holes and breaks, and chipping and discoloration. If your home is stucco, look for cracking, chipping, and holes.
Some homes have protective storm shutters to protect the window glass during a storm. However, many windows can get cracked or broken even if you have shutters. If your home has been hit by a tornado, high winds, or hail, cracked or broken windows and damaged window casings are the most common types of damage. Look for shattered windows, cracks and holes, broken panes, and damaged frames. Watch out for broken glass and make sure you board up any shattered windows until they can be repaired.
Home Damage Insurance
If you find damage to your home after a storm, check your homeowner’s insurance policy for coverage. There are many types of insurance policies. Some provide basic coverage, while others offer more extensive coverage and high levels of protection. Most homeowners’ policies cover storm damages from hail, tornado, and winds. Floods and earthquakes often require extra coverage. Always check your policy to see what is covered.
Excellent Exteriorsspecializes in anything on the exterior of your Chicago-area home. We have been putting roofs on homes for nearly two decades. We are your insurance restoration specialists.