North Idaho Exteriors Roof Maintenance | Rathdrum, Idaho Tue, 22 Sep 2020 14:59:09 +0000 en-US hourly 1 North Idaho Exteriors 32 32 Does Your Insurance Cover Storm Damage Tue, 22 Sep 2020 13:00:39 +0000

In the beautiful area of North Idaho, we experience the weather patterns that each season has, whether it’s spring showers, thunderstorms in the summer, snow in the winter, and wind at any time of the year. Depending on your roof’s age, and the last time maintenance was done, these storms can make a huge impact. One of these storms could also cause a nearby tree to fall, damaging the roof as well. No matter what caused it, having insurance can make a huge difference. The big question is finding out exactly what your homeowner’s insurance policy will cover. Here’s what you need to know.

What is a standard homeowner’s insurance policy?

Unfortunately, there’s no “one-size-fits-all” insurance. You and your neighbor could have the same house built right next to each other with the same insurance agency, and the prices would still be different. It all depends on what you need. The standard homeowner’s insurance policy might cover the cost of damages caused by the wind, such as shingles getting pulled off the roof or if the wind throws something into the roof, causing damage. It may also cover lightning strikes, especially if it starts a fire, water damage, and ice damage. There are also a few add-ons you can include in your packages such as earthquake or flood insurance. This would be an extra charge, but it might be worth it. You never know what could happen.

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You can’t just assume that every insurance company you research in your area will have all of this coverage either. Some will vary depending on the location if they’re a local insurance agent who understands how our weather works, and more. It’s to work with your local agent to determine what works best for you and your home.

Will the policies cover roof damage?

Roof damage repairs are a little more in-depth when working with your insurance company. If the roof is damaged and it’s not covered under any policy you have, unfortunately, you’ll be footing the entire bill. However, what if you do have the correct policy? There’s still a chance the insurance won’t cover all of the repairs if the damage could have been avoided; for example, if your roof was older and already needed repairs, or if the tree that fell on your roof was already dead or decaying. In that case, the insurance company may only cover part of the damages. It is important to know where you stand with your insurance policy.

What can I do to make sure my roof is covered from storm damage?

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● Get regular maintenance done on your roof, which is usually once a year or once every two years. Making sure the roof is structurally sound and the shingles are all attached is essential. If there are any issues, such as missing shingles, then get them fixed as soon as you can, especially before the winter months.

● Document your roof with pictures and reports. The more proof you have that your roof was structurally sound before the damage happened, the better, especially if it’s a report from a reputable roofer.

Not sure when your roof had its last check-up? Contact us as North Idaho Roofing to set up an appointment!

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Next Level Roofing! 🛠 Tue, 22 Sep 2020 13:00:35 +0000 ]]> 0 Time For A New Roof? Thu, 20 Aug 2020 19:58:03 +0000 ]]> 0 Storm Damage vs. Your Roof: What You Need To Know Thu, 20 Aug 2020 19:49:01 +0000

Mother Nature doesn’t care about man-made things. The people who study the weather can give you an estimate of if or when a storm will hit, but there’s no guarantee. Even the scale of the storm can be unpredictable. While we would love to put a barrier around our home to protect it from the harsher weather, that’s not an option. What you can do instead is have regular roof maintenance from a reputable roofer and roof insurance for those unpredictable days. Here are just a few ways those two factors combined can save you from an expensive roof repair!

What kind of damage can a roof get?

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● Rain:  Rain is one of the most common causes of roof damage and it can be the most harmful. Rainwater, especially heavy rains can cause leaks, stains, mold, rot, cracks, and more. Water getting under the roof can cause extensive damage that could lead to needing a new roof. Without regular roof maintenance, you may not realize there’s an issue until it’s too late.

Hail: Hail is as unpredictable as a rainstorm but more damaging. Hail can be the size of a quarter to the size of a tennis ball. It can leave holes or cracks in your shingles leaving them exposed to water getting in.

Extreme Wind: If your shingles are loose or cracked, windy days can cause a lot of damage to the roof. One gust can pull them off exposing the underlayment and the frame with rainwater.

Thunder & Lightning: Thunder can be extremely loud, especially when the storm is overhead, but it’s not the issue. The lightning that is always paired with thunder causes all of the damage. At any point during a thunderstorm, lightning can strike the roof, the house, and trees even if the thunder sounds far away.

Tornado: Tornados can be extremely unpredictable. While they may not happen too often, they are not as predictable as a hurricane. They can touch down anywhere causing all kinds of damage with its vacuum-like effect. It sucks up everything in its path, such as roofing tiles, and that flying debris can do serious damage to whatever it hit.

Snow & Ice: Snow and ice can buildup on the roof causing severe structural damage. Ice dams can form that forcing the melting snow underneath that roof and into the house causing that same water damage that rain would. Snow can also be extremely heavy on the roof.

Why is a local roofer better?

A local contractor knows the kind of conditions a roof gets hit with each season. While the weather can be unpredictable, each area does have seasons of the potential damage that they can get their equipment ready. The most important part is having regular maintenance done once a year to your roof. This will point out any problem areas that might get damaged with upcoming storms.

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Why is roofing insurance so important?

With how unpredictable the weather is, accidents and damage can happen. With the right claim, most if not all of the damage can be paid for by your insurance company. What they won’t pay for is damage done because of negligence, for example, knowing there’s a few missing shingles and letting them go for months on end until there’s severe water damage in the house.

Have you had your roof inspected recently? Don’t wait! Contact North Idaho Exteriors today!

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Thanks For Checking Out Our Blog! Thu, 13 Aug 2020 20:03:02 +0000
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