With the severe wind storms, heavy rains, and bitter cold days we’ve been having we’ve seen an influx of homeowners claims, along with the rest of the California insurance industry.
We can’t avoid the damage that these weather systems have on our properties, the most we can do is be aware and find the damage as soon as possible and temporarily rectify the issue before further damage occurs.
One of the biggest incidences we are coming across are blown off shingles from the wind. During this season homeowners should:
- Inspect their roofs for curled shingles, worn shingles, and blown off shingles.
- During the dryer days enlist the help of a contractor/roofer to repair the damage that you can visibly see to avoid water damage occurring inside of your home.
As shingles get blown off, or begin curling up water gets trapped under the shingle and can create rot ultimately leading to water damage seeping into your ceiling, into your home. If you live in a two story or multi-story home you could be potentially looking at structure damage, not just sheet rock and superficial repairs.
Water can wreak havoc on property. Water left sitting on materials can leave to mold, dry rot, fungus, etc. Homeowners insurance will only cover these types of water losses when they are caught quickly and have not led to a negligent amount of damage. Most homeowners insurance policies exclude coverage for mold and fungus. The reason, water causes these issues. Had the water damage been reported and cared for in a timely manner, the mold and fungus would most likely not have grown and created further damage to the property. Insurance companies require the assistance of the homeowner to help prevent further damage to the property, and to help eliminate the chances of damage to the property.
These things can help keep your premiums down, and eliminate unsightly insurance increases dues to claims. Follow these steps to help decrease water losses caused by roof related issues:
- During this season inspect your roof regularly. Each windstorm/rainstorm can cause changes to your roof.
- Repair all curling, missing, or worn shingles.
- Inspect your gutters and maintain clean drainage systems for proper rainwater drainage.
- Inspect your roof for moss growing, and clean it off if it is there.
- Make sure there is no standing water.
- Inspect the sides of your home for water marks, which could be indicators of water damage leaking from the sides of the roof.
- Any damage repair immediately.
Stagnant water can lead to damage alongside the bottom section of your property as well. If you see you have “pooling” water in areas of your property please set up a siphon system defer water away from your property. There are also pumps you can purchase to redirect the water. You can also go the sand bag route, though this can become messy and they are heavy and not easy to maneuver.
Most importantly, when you see damage occurring do all you can to stop it from causing more damage. Contact your insurance agent and speak to them immediately about what can be done to rectify the issue to avoid larger issues arising. The key is containing the small problem, before it grows into a larger one.
It’s March…we should see sunshine soon, RIGHT?! Well, I certainly hope so…until then, stay dry, stay aware, and remember I’m always available to answer questions, and help out in any way.