What Type of Roof Storm Damage Is Covered by Insurance?
If your home or business experiences storm damage to the roof or windows, it can be stressful and disruptive to your routine. Fortunately, homeowners and commercial property insurance policies often cover damage caused by a storm. At Paul Davis Restoration of North Dallas, we provide emergency restoration services for both
residential and
commercial customers in the North Dallas area. Here, we discuss types of roof storm damage and whether they’re covered by insurance.
Types of Storm Damage
When a storm occurs in your area, whether it’s a wind, hail, or rainstorm, it can damage your property. There are various types of storm damage that can occur, including:
- Water damage from heavy rain, flooding, storm surges, etc.
- Structural damage to your walls, foundations, and other components
- Roof damage like missing shingles and leaks
- Impact damage from fallen trees, power lines, etc.
- Wind damage, including broken parts of windows, doors, roofs, etc.
- Hail damage that can cause dents or dings
- Tornado damage, including flying debris, broken windows, etc.
- Hurricane damage like missing siding or roofs
Now that you’re familiar with the common kinds of storm damage, it’s important to determine what your insurance policy will cover.
Residential Storm Damage Coverage
Your home is where you spend most of your time and you want it to be properly protected—that’s where homeowners’ insurance comes in. Homeowners’ insurance will cover things like liability and property damage, but only from certain things. Most standard insurance policies will cover storm damage from:
- Hail
- Wind (including tornadoes and hurricanes)
- Wildfires
- Lightning
However,
most home insurance policies do not cover damage caused by floods or earthquakes. Often, you can purchase additional coverage against these weather events.
Commercial Storm Damage Coverage
If you’re a business owner, you know the importance of insuring your property and merchandise. Commercial property insurance generally covers loss or damage caused by fire, storms, explosions, burst pipes, theft, and vandalism. The storm damage coverage usually includes damage caused by:
However, damage caused by tornadoes, hurricanes, floods, and earthquakes is generally not covered or only with limited coverage. Businesses can opt for additional policies to ensure these damages are covered.
Storm Damage Restoration at Paul Davis Restoration of North Dallas
If you’re experiencing storm damage to your roof, windows, or another part of your home or business, trust the experienced team at Paul Davis Restoration of North Dallas to help restore and repair it. We offer
emergency services to both residential and commercial properties, so you can access storm damage restoration 24/7. Our expert technicians have a range of resources at their disposal, including state-of-the-art equipment, to help restore your home or business to its former state. We respond quickly to any emergency and will provide you with services like:
At Paul Davis Restoration of North Dallas, we have experience working directly with
insurance professionals and companies to make your life easier. We will provide feedback to the insurance adjuster within 24 hours of our response, as well as provide accurate estimates and thorough documentation. By bringing you professional restoration and repair services and communicating with your insurance company, we can help you get through the stressful period as smoothly as possible.
Learn More About Building and Roof Storm Damage Coverage
Act quickly when your home or business gets damaged by a storm—reach out to the specialists at Paul Davis Restoration of North Dallas. Our business is located in Carrollton, TX, but we serve customers in North Dallas and the surrounding areas with emergency services in compliance with safety standards. If you’re looking for an expert place to restore your property with transparent communication,
contact us today.
