When your neighborhood is impacted by a storm, it’s essential to reach out to a reliable, and professional local contractor who can evaluate the damages and guide you through the restoration process. At Borso Roofing, we possess extensive expertise in handling storm restoration projects and unwaveringly prioritize serving each customer with honesty, excellence, and straightforwardness.

Insurance companies provide coverage for hail and wind damage because these events, often referred to as Acts of God, are beyond your control. Property damage resulting from a storm is not due to negligence or directly attributable to anyone who can be held accountable. If homeowner’s insurance didn’t cover such events, its purpose would be significantly diminished.

When your roof sustains damage from a hail or wind event, it is in the insurance company’s best interest to cover the replacement cost before more significant issues arise, such as water-saturated insulation and/or the need for drywall repairs.

Roof damage can lead to potential leaks that might remain hidden for an extended period. If neglected, the exposed asphalt layer will gradually deteriorate from UV exposure and thermal shock. Ultimately, this deterioration causes cracks, providing a pathway for water to enter the home and resulting in more expensive repairs.

Once your claim is approved for a roof or siding replacement, your sole out-of-pocket cost will be the deductible. Any extra expenses arise only if you choose to cover upgrades or require additional work beyond the original scope of repairs.

Insurance companies may assess the overall risk of insuring a particular geographic region based on past natural disaster occurrences in that area. This could lead to an increase in property insurance rates for everyone within that region or zip code, even if an individual policyholder hasn’t filed a claim.

While it is essential to report damage and file a claim if your property is affected by a significant storm, doing so does not guarantee that your specific premium will increase. Any premium changes would typically apply to the entire group of policyholders within the affected area rather than being specific to individual claimants. Therefore, it is in your best interest to submit a claim whenever your property has been adequately assessed for damage after a significant storm.