Does Insurance Cover Roof Damage?
By Macomb, Oakland & Wayne County’s Best Roof Repair Company

One of the most common questions we get from customers is “Will my insurance company cover the cost of my roof damage or roof repair?” The answer to that is: “It depends”! We have decades of experience with roof repair insurance claims. Following are the important facts you should know.

Will Insurance Fully Cover Roof Damage Repair? Wayne County

Whether or not your homeowners company covers your roof damage repair depends on:

• The CAUSE of the roof damage
• What type of insurance COVERAGE you have

Typically, when damage to a roof is caused by a natural disaster or accident – such as a tornado, hail or wind storm – a homeowners insurance policy will pay for the roof repairs. However, some homeowners insurance policies “specifically exclude” coverage of roof repairs under certain circumstances.

So, if you have suffered roof damage due to a weather event, your first step should always be to get out your homeowners insurance policy. Read it carefully so you know your rights, and what is and is not covered.

“Named Peril Insurance” is a type of homeowners insurance that will only cover the cost of roof repairs that are specifically listed in your insurance policy. Named Peril Insurance usually DOES cover damage from weather events like lightening and hail damage – but often will NOT cover other types of damage such as falling trees or debris.

“All Risk Policies” are more liberal and will typically cover damage from any weather event – except for certain limited “exclusions” that are specifically listed as exceptions.

When you hire Aaron’s Restoration to repair your roof damage, we can work with you to ensure that your homeowners insurance company covers as much damage repair as possible under your homeowners’ coverage.

Will Insurance Cover a NEW Roof or Only Repairs?

If the cause of damage is covered by your homeowners’ policy – whether your insurance covers a complete roof replacement will depend largely on the extent of the damage. If the insurance adjuster believes that repairs are enough, your insurance company will want to fix the damage rather than replace the roof in order to save money. So, having an experienced and reputable contractor who can document the need for replacement is essential if you believe you need a new roof.

Aaron’s Restoration will conduct a full roof inspection – and will provide you with the necessary documentation to help your insurance company assess whether a new roof will be covered, so you get the maximum claims coverage allowable under your policy!

We’ve Handled Hundreds of Roof Repair Insurance Claims in Macomb, Oakland & Wayne County!

Aaron’s Restoration has extensive experience in providing roof estimates for insurance claims. If your roof has been damaged by a weather event, we can rapidly repair it while helping you navigate the process of getting your roof repair or replacement covered to the maximum extent possible under your homeowner’s insurance policy.

Roof Repair Insurance Claim Coverage
From Troy’s Best Roof Repair Company

The extreme weather conditions of Michigan winter are almost upon us in Macomb, Oakland & Wayne County and roofs can suddenly be damaged by extreme weather events such as ice storms and high winds.

Unfortunately when your roof is damaged and needs to be replaced or repaired, it is almost always an unexpected expense that you just hadn’t planned for! That is why it is essential that you work with a contractor who understands the homeowners insurance claim process, who works with adjusters and who makes sure all of the documentation is in place to ensure that you get reimbursed as much as possible for all covered roof damage.

The good news is that in our many years of experience in roof repair claims, we have found that in more than 90 % of high-wind or hail damage claims, there is an insurance payout to cover roof damage repairs! But keep in mind that insurance companies review roof repair claims very carefully. They will require that the homeowner and their contractor provide extensive documentation and supporting information before they will cover your roof repair insurance claim.

Tips to Get the Most Insurance for your Roof Repair Claim:

1. Know What Your Insurance Policy Covers – Troy

If you have an “All Risk Policies” it will typically cover any type of roof damage – with a few listed limited “exceptions”. However, “Named Peril Insurance” will only cover the types of roof repairs that are specifically named in the insurance policy.

2. Keep Your Roof In Good Overall Repair – Oakland County

When you have a roof damage claim, your insurance company will send an inspector or adjuster out. If the roof damage is all or partially due to age, wear and tear, or lack of maintenance, the damage may not be covered under your policy. . .even though it was caused by the weather event!

3. Document Your Roof Damage Repair Claim

Keep a set of “before” photos of your roof and home – and update the pictures if you have improvements, maintenance or repairs done. This way, after roof damage occurs, you can submit these to your insurance company along with the “after” photos with your insurance claim.

4. Hire an experienced Roof Damage Repair Contractor – Troy

Hiring Aaron’s Restoration will ensure a fast, smooth and hassle-free roof repair insurance claim process. Our professional team will provide a full roof inspection and provide you with the required documentation that your homeowners’ insurance company will need process the claim and get you the maximum coverage available under your policy.

We’ve Handled Hundreds of Roof Repair Insurance Claims in Macomb, Oakland & Wayne County!

Aaron’s Restoration knows what your insurance company is “looking for” when approving your insurance claim. We can provide the information your insurance company needs in a fast, detailed and organized fashion, so there will be no delay in processing your insurance claim!

Classifying Michigan Tornado Damage & Repair

Nothing is more terrifying – or wreaks more devastation –than a Tornado. Roughly 800 tornadoes are reported every year in the U.S., resulting in approximately 1,500 injuries & millions of dollars of property damage. On average 16 tornados a year are reported to touch down in Michigan alone.

At Aaron’s Restoration we have repaired hundreds of thousands of dollars of tornado damage to homes and businesses, including: roofs, walls, windows, garages, barns, fences, outbuildings.

We are the tornado damage repair experts – we study and understand tornados and the damage they can cause.

Here is how Tornado Damage is Classified

F-0 Tornado: 72mph winds

Causes light damage – including broken tree branches or damaged chimneys.

F-1 Tornado: 73-112mph winds

Causes moderate damage such as broken windows or mobile homes being pushed off foundations.

F-2 Tornado: 113-157mph winds

Causes considerable damage such as uprooted trees or demolished mobile homes.

F-3 Tornado: 158-205mph winds

Causes severe damage- including roofs and walls torn down or cars being thrown.

F-4 Tornado:  207-260mph winds

This is a devastating wind that levels even well-constructed walls and buildings.

F-5 Tornado: 261-318mph winds

The highest category of tornado can lift houses off their foundations and carry them considerable distances.

Fortunately, most homeowners’ insurance policies DO cover tornado damage. Additionally tornado damage to a vehicle is also usually covered by car insurance policies if you have “comprehensive coverage” (“collision”) on the vehicle.

We are the Troy Area’s Best Tornado Damage Repair Company

We are available 24/7 to respond and repair any tornado damage. We will tarp your home if necessary to prevent further damage. And will work with your insurance company to have your tornado damage claim rapidly assessed – and to ensure that you receive the maximum insurance company payout allowed by your homeowner’s policy.

Aaron’s Restoration is Michigan’s tornado damage repair expert. For tornado damage make Aaron’s Restoration your first call for fast, thorough, expert service.

Call Aaron’s Restoration 24/7 for Your Tornado Damage Repair Needs

Michigan Tornado Damage

Tornadoes are the most destructive storms in nature. Approximately 800 tornadoes are reported every year, resulting in an average of 80 deaths, 1,500 injuries & millions of dollars of property damage per year.

According to the National Weather Service., Michigan ranks 20^th among the states for number of tornadoes. This is based on nearly 1,000 recorded tornadoes touching down in Michigan between 1950 and 2012.

At Aaron’s Restoration we have repaired residential and commercial roofs, walls, garages, barns, fences, outbuilding and more as a result of tornado damage. Here are a few facts about Michigan’s tornadoes.

Michigan Tornado Damage Facts

• On average, 16 tornadoes occur in Michigan annually
• Between 1950 and 1998 there were 239 deaths due to tornadoes in Michigan
• Most Michigan tornadoes occur in April, May, June & July between 3 PM-7 PM
• An average tornado is on the ground less than 10 minutes – but extreme tornadoes have been on the ground for more than an hour
• Most tornadoes travel about 5 miles in distance – but extreme tornadoes have been known to travel more than 100 miles
• The typical tornado is 600 to 1200 feet wide
• Tornado winds average 71 to 125 miles per hour
• The worst tornadoes in Michigan was in 1953, killing 116 injuring 850 and destroying more than 350
• The Dexter tornado in 2012 caused $9.1 million in damages
• There has been just one fatality from a Michigan tornado since 1997!

Most homeowners’ insurance policies do cover tornado damage. And tornado damage is also typically covered on car insurance policies if you have “comprehensive coverage” (collision coverage) on the vehicle.

We will work with your insurance company to have your tornado damage claim rapidly assessed – and to ensure that you receive the maximum insurance company payout allowed by your homeowner’s policy.

Call Us 24/7 for Tornado Damage Cleanup & Repair: 888.442.2766

Michigan Hail Damage Repair:
Record Breaking Hail Damage

July 2016 marks the 1 year anniversary of the record breaking hail we had in Southeastern Michigan last summer! Hail pellets can range in size from pea-sized pellets, to hailstones bigger than a grapefruit – wreaking damage on cars, homes and property!

But why does hail – which falls from the sky as pellets of ice – occur in the spring and summer?

Hail Damage is Not a Winter Event

Because hail is made of ice, people often wonder why it is not a cold weather event. Technically hail can occur year-round, but the most destructive hail events usually occur at the height of summer.

This is because hail actually forms high up in cold clouds – at heights of up to 50,000 feet. The lower regions of summer thunderstorms contain warm air – but the upper regions are often well below freezing.

Updrafts within the summer storm system then whisk raindrops upward into the sub-zero higher region, causing them to instantly freeze into ice particles. The ice particles (hail) are then carried back down into the storm’s lower level by a downdraft.

Once the downdraft moves the ice particles down to the warm area it thaws and collects additional water droplets – then it is whisked upward by another updraft where it re-freezes. This cycle continues multiple times – adding new layers of ice to the frozen droplet. Once it is too heavy for the updraft to carry it back up again it finally falls out of the cloud to the ground.

Hail Storm Damage Repair

Because hail is built up of layer upon layer of ice it is extremely hard. And because it is coming down from such high altitudes, hail falls at a relatively fast speed.  For this reason hailstones can cause extensive damage.

The most susceptible objects to hail damage include cars and roof tops. In fact, over $1 billion dollars in damage to homes, vehicles, property & crops is caused by hail each year in the United States.

Most homeowners’ insurance policies do cover hail damage. And hail damage is also typically covered on car insurance policies if you have “comprehensive coverage” (collision coverage) on the vehicle.

If you have suffered damage to your roof, home or property as a result of a Michigan Hail Storm, call Aaron’s Restoration today. We will rapidly assess your damage and work with your insurance company to ensure you receive the maximum insurance coverage that your homeowners policy covers!

Call Us 24/7 for Immediate Hail Storm Damage Repair: 888.442.2766