When your commercial roof sustains damage, it can quickly become overwhelming, and bring up questions like: “Can I afford repairs?” “Will the insurance company help?” “Who Can I trust with my building?” That’s where roof damage insurance comes into play.
Keep Your Company Covered Both Physically and Financially
Having roof damage insurance helps the roofing company help you. They can perform repairs, restoration, or install a replacement, but unless you have roof insurance, you’ll have to pay for these things out of pocket, which can be incredibly expensive.
The Importance of Routine Commercial Roof Inspection
Although the sun is usually shining bright in Florida, the region also gets high winds, hail storms, and rainfall. That means your commercial roof takes a beating each time the weather turns terrifying. Harsh outdoor elements are hard on roofing materials, causing them to lift, crack, and peel.
Although natural degradation is a part of every roof’s service life, you certainly don’t want to expedite this process by neglecting routine maintenance, ignoring the signs that your commercial roof is in poor condition, and waiting until the problem’s beyond repair. Otherwise, you could spend a fortune on extensive issues that could’ve been avoided.
What Is Considered Commercial Roof Damage?
Commercial roof damage is anything that ruins the structure, underlayment, or integrity of the roof. From excessive moisture to heavy objects, you must contact your insurer to confirm whether they can cover the costs of the storm’s aftermath to your business’s roofing system. You may file an insurance claim as long as you suspect one or more of the following has caused significant damage to your structure.
Water
Water damage is one of the leading causes of roof failure since it’s one of the most destructive natural elements. Has it been raining nonstop in Florida? If so, that constant precipitation can warp your roofing materials, causing underlying wood rot and leaks.
Does insurance pay for roof leaks? Yes, as long as they result from the most recent storm. Roofing agencies and insurance companies keep documentation of your roof’s condition after each inspection, so they can tell whether the damage is new or not.
Impact
Tropical regions like Florida experience high winds that go dozens of miles per hour, powerful enough to knock over outdoor objects like powerlines or large tree branches. If anything falls on top of your structure, as soon as the storm subsides, take pictures to show the insurance company. They can get contractors and technicians over right away to remove fallen objects from your building safely and perform a thorough inspection to further analyze the damage.
Hail
Unless your building is covered in Class 4 Impact Resistant (IR) shingles or slate (natural stone from the earth), your structure is prone to hail damage. Although hail storms are far and few in between and short-lived, never lasting longer than 10 to 15 minutes, the havoc they wreak is still detrimental.
Hail falls at high speeds and leaves unsightly dents in cars, windows, and roofs. If your area’s been hit with a hail storm, don’t hesitate to call your insurance provider to come and inspect the building and verify with you any newfound damage.
High Winds
It can get quite windy in parts of Florida, especially during inclement weather. You may file a claim under wind damage if areas of your roof have materials blown loose or entirely torn off during a windy storm. That missing material can lead to other issues because it leaves the underlying roofing materials vulnerable to the elements, leading to energy inefficiencies and water and pest invasion.
Why Do You Still Need Roof Damage Insurance If Your Roof’s Under Warranty?
All legitimate roofing brands and contractors offer workmanship warranties and manufacturer’s warranties. Still, that doesn’t mean you don’t need roof damage insurance. A warranty just protects your investment in case there’s an issue with the installation that’s discovered later on or if roof failure occurs due to faulty roofing materials.
Roof damage insurance comes in handy when roofing problems have nothing to do with poor installation or inadequate roofing materials. Roofing projects are expensive, whether you’re getting your system repaired or replaced. Make sure you’re covered in every aspect with roof damage insurance to ensure your time and money invested aren’t in jeopardy.
Call New Image Roofing Florida To Guide You Through the Claim Filing Process and Transform Your Roof
We’re familiar with the versatile weather conditions in Florida, and we’re prepared to assist with any roofing issues they cause for business owners like you. We understand the importance of keeping your company in pristine condition from the roof to the foundation. New Image sees to it that your building stays safe, functional, and presentable at all times.
We’ve made it our business to help our customers uphold their professionalism with a modern, durable roofing structure they can feel comfortable and secure under. Plus, we take pride in our abilities to help you through the roof damage insurance claim filing process. You already have enough on your shoulders, so it’s our pleasure to alleviate the stress and hassle of dealing with the insurance company.
Give us a call today to get started on the road to roof recovery.
