Storm Damage Repair Southern Maryland 101
After a powerful storm sweeps through Southern Maryland, homeowners are often left to deal with the aftermath of wind and hail damage. Understanding what to do next can be overwhelming, but with the right knowledge, you can navigate through the process of assessment, filing insurance claims, and crucially, avoiding scam roofing contractors. This guide aims to provide you with the essential steps and tips to protect your home and your wallet.
How To Avoid Common Roofing Contractor Scams?
Unfortunately, storms can bring our predatory roofing contractors. They will claim to be able to get you a roof replacement that your insurance company will pay for. Sound too good to be true? It may be. Here are some signs to be on the lookout for:
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- Beware of Door Knockers: Reputable roofing companies rarely go door-to-door. Be skeptical of any roofing contractor promising to handle your insurance claim for you, or get you a new roof without providing you an estimate.
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- Check Credentials: Verify licenses, insurance, and references. In Maryland, contractors should be licensed through the Maryland Home Improvement Commission.
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- Get A Quote: Most storm-chasing roofing contractors will be very hesitant to give you a price for the roof repairs or a new roof and want to wait for your insurance company to give you one.
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- Written Agreements: Everything should be in writing, including the scope of work, materials, warranties, and total cost.
- Insurance Claims: Remember, you, not the contractor, should file the claim. If someone offers to do this for you, it’s a red flag.
Understanding the types of storm damage in Southern Maryland
Wind Damage To Property
Depending on your roof’s age and condition, wind can lead to missing shingles. While three-tab shingles are rated for 60 MPH winds, Southern Maryland experiences stronger winds that can damage roofs in Calvert County and St. Mary’s County. Laminate shingles, though pricier, offer protection up to 130 MPH winds, potentially saving you money in the long term. Strong winds during storms can also cause debris damage to your home’s exterior materials like the roof, siding, and gutters.
Hail Damage
Hail is much less discriminant than wind. Hail must be a minimum of 1/4 inch in diameter to cause significant impacts. Hail forms when thunderstorms updraft the air into the upper atmosphere, forcing warmer air with moisture into the much colder upper atmosphere. The moisture then freezes into ice pellets. If large and dense enough, it will damage anything it hits. Including your car, home, and virtually everything else.
How Do I Assess The Storm Damage To My Home?
The first step after a storm in the restoration process is to assess the property. This includes both visible exterior damage and less obvious internal issues. Here’s what to look for:
- Roof Damage: Find a local roofing company in the Southern Maryland area. They will provide a quick response and complete a roof inspection. They will check your roof, shingles, flashings, and structural integrity if needed. At JDH Remodeling we perform a complete digital analysis of your property and provide it to you that day!
- Siding and Windows: Walk around your home and check for collateral property damage. This could be hail spatter on metal, cracks in siding, or dents in the soft metals around your windows and doors.
- Gutters and Downspouts: Look for dents or misalignments that could lead to improper drainage.
- Trees and Landscaping: Downed branches, or leaves are tell-tale signs your home was impacted by high winds or hail. While trees falling are less common and occur during natural disasters.
- Temporary Repairs: If the storm causes damage to your property that could cause leaking or interior water damage you should temporarily repair it immediately.
Documenting all damages with photos and videos is vital for insurance claims.
Expectations When Filing an Insurance Claim
Once you’ve assessed the damage, the next step is to file an insurance claim. Here’s how to proceed:
- Find a Contractor: Hire a storm damage restoration contractor to make the repairs. Schedule them after the insurance adjuster assesses the property. This will allow you to document the cost of repairs should your Carrier request.
- Contact Your Insurance Company: Report the storm immediately. Most insurers have a specific window for reporting storm-related claims.
- Claim Process: An adjuster will typically be assigned to assess the damage. You should have your roofing contractor meet with them to help explain their assessment and roof repair estimate.
- Follow Up: Keep in communication with your insurance provider. The claim process can be lengthy, so persistence might be required.
- Set Expectations: Don’t expect a “free roof” from storm chasers promises; most insurance companies cover only storm damage. If 200 shingles are storm-damaged, your insurer might only pay for those, even if your roof needs replacing due to age. Think of it this way: at worst, you’re getting a discount on something you need anyway.
Tips for Southern Maryland Homeowners: Restoration and Cleanup
When is comes to dealing with the aftermath of a storm here are some basic tips:
- Choosing the Right Roofing Contractor: Find a local roofer in Southern Maryland who has good reviews, customer service, and years of experience, and can help you with the coordination of the repairs. If you need a new roof installation, check their certification. At JDH Remodeling, we are an Owens Corning Platinum Preferred Roofing Contractor.
- Avoid Further Issues: Be sure to protect your property by tarping or hiring a local company to make temporary repairs if necessary.
Conclusion
Navigating the aftermath of a storm in Southern Maryland involves understanding the damage, knowing how to interact with your insurance, and being vigilant against roofing scams. By following these steps, you can not only protect your home but also ensure you’re not swindled in the process. Remember, patience is key; the right contractor will respect your need for due diligence. Stay informed, act wisely, and your home will recover from the storm stronger than before.
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