Wind and hailstorms are some of the most frequent and severe causes of
property damage to American homes, with several billion dollars of losses
each year. These perils can not only damage roofs but also result in water
losses to the attic, ceilings, and walls. A strong and healthy roof can
mitigate the chances of these types of losses. So here are some tips to pass
on to your clients to keep their roofs in first-rate condition.
- You should check the condition of your roof twice a year.
Spring and fall are often good times.
- Start the inspection in the interior of the home. Look
for staining on the ceiling or walls, which might indicate
leaks from the attic.
- Go into your attic, if you are physically able, with a
powerful flashlight and check for signs of water damage or
wet insulation. This assessment will let you know if water
has been entering your attic.
- Use a set of binoculars to inspect the exterior of the
roof. Look for signs of warped shingles or flashing.
- Hire a roofing specialist to go directly onto your roof
and inspect it at least once per year or after a major
hailstorm. Ask the specialist to take pictures of any
problem areas. Make repairs as soon as possible.
- If your roof needs to be replaced, consider installing
impact-resistant roofing to reduce the chances of future
hail damage. Clarify with your roofer that the shingles are
"tested and rated impact resistant for hail" and that your
insurer will provide you a premium credit for them on your
homeowners insurance.
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