Severe Weather Is Taking Its Toll on Virginia Homes
Wind and hail storms are typical as spring rolls in warmer temperatures through Virginia. They historically result in numerous home insurance damage claims for our members. In March 2017, a storm swept quarter-size hail and powerful wind gusts across central Virginia, leaving significant damage to homes. My family's Stafford home was right in the storm's crosshairs, resulting in a $22,000 insurance claim, including roof replacement from a weather event that only lasted about 6 minutes.
Is Roof and Storm Damage Covered by Insurance?
Here at NNINS, we see increasingly severe weather patterns taking their toll on Virginia homes, specifically roof storm damage. NOAA has identified the commonwealth as among the top nine states experiencing billion-dollar weather disaster losses nationally in the past decade. All parts of Virginia have experienced extreme weather that could expedite roof wear that requires repair.
How Do Hail and Wind Damage Your Home's Roof?
Hail can easily damage the soft metal components on your roof and pit asphalt shingles. Wind can rip or separate roof shingles. There are ways to tell if you have accelerated wear or roof damage, but it may not be noticeably visible to an untrained eye. It can be challenging to know what hail damage looks like on your roof. For this reason alone, it's wise to schedule a preventative roof inspection each spring and be sure everything is still tight and sound. Leaving undetected roof damage can cause costly interior issues in your home's attic.
What Will a Roofing Professional Check For?
- Damaged, worn, or missing shingles
- Missing or damaged flashing
- Exposed or loose nails
- Missing caulk
- Rot and mold
- Excessive granule loss
- Chimney cracks
Tornadoes, Derechos, and Hurricanes- Oh my!
In addition to the crazy weather like wind and hail storms, are you prepared for Virginia's peak tornado season from March 1st through the end of May? Not to mention heavy April showers bring May flowers and potential home water damage. And Virginia's hurricane season begins June 1st and peaks in October. Does your roof need to be replaced or repaired before these severe weather threats? A simple roof inspection will ensure your roof is strong enough to deflect wind and send rain straight to your home's gutter system and away from your foundation.
We recommend being proactive and scheduling a roof inspection. Then enjoy the warmer days knowing your home's first line of defense is ready for whatever severe weather comes to the commonwealth. And if you have a weather-related home insurance claim and have questions, we're always close by and ready to help.