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Roof damage from wind is an all-too-common occurrence, ranging from a few missing shingles to significant structural compromise. The consequences can be severe,  including leaks, interior damage to your home, and even the potential for safety hazards due to instability.

The fallout from wind-damaged roofs often extends beyond just the physical repairs. As a homeowner, you may face a web of legal complexities, especially when dealing with Louisiana roof damage claims.

Dealing with roof damage from wind can be a daunting and stressful experience. Engaging a roof damage claim attorney in Louisiana at the outset can significantly alleviate this stress.

How Wind Can Cause Damage to Roof in Louisiana

Wind can cause various types of roof damage, affecting the integrity and functionality of roofing systems. Understanding these types of damage can help you and professionals assess and address the impacts effectively:

  1. Shingle Damage – Wind can lift, curl, or completely tear off shingles from the roof. This exposes the underlayment or roof deck to further damage from the elements. Missing shingles are among the most common signs of wind damage.
  2. Granule Loss – For asphalt shingles, wind can accelerate the loss of granules, which protect the shingle from UV rays and weather. This can shorten the lifespan of the shingles and leave the roof vulnerable to further damage.
  3. Lifting – Wind can create a vacuum effect that lifts shingles without completely detaching them. This lifting can compromise the seal integrity between shingle layers, leading to leaks.
  4. Edge Damage – The edges and corners of roofs are particularly susceptible to wind damage, as these areas can be more easily lifted by the wind, creating a starting point for further damage to the roofing material.
  5. Structural Damage – In extreme cases, wind can cause structural damage to the roof’s framework, affecting trusses or rafters. This type of damage compromises the entire roof’s stability and requires immediate attention.
  6. Flashing Damage – Wind can loosen or tear away flashing around chimneys, vents, and along roof edges. Damaged flashing can lead to water infiltration at these critical points.

Each type of wind damage to the roof presents its own set of challenges and further damage to the home’s interior. After a strong wind hit, it is crucial for you to inspect your roofs for signs of damage or to hire a professional to conduct a thorough assessment, including Louisiana roof damage claim attorneys.

Louisiana Home Insurance Coverage for Roof Damage from Wind

In Louisiana, home insurance typically covers wind damage, which is a common occurrence due to the state’s frequent hurricanes, tropical storms, and other severe weather events. However, coverage specifics can vary based on the terms of your insurance policy.

Windstorms are usually covered under standard homeowners insurance policies. This means if your home sustains wind damage from a tornado or other windstorm, you are likely to receive compensation for damages to your home or its contents, up to the limits of your policy and after paying your deductible​

However, many major insurers may exclude roof damage caused by wind and hail from standard homeowners policies. In these cases, you might need to purchase an additional endorsement or a separate policy for wind and hail damage.

Initial Steps to Take After Roof Damage to Your Home

After experiencing Louisiana roof damage from wind to your home, especially due to wind or storms, taking immediate and proper steps is crucial to ensure your safety, prevent further damage, and begin the repair process efficiently. Here’s a guideline on what to do:

  1. Ensure Safety – First and foremost, ensure the safety of all household members. Stay away from damaged areas that might be unsafe due to the risk of falling debris or structural instability.
  2. Document the Damage – Once it’s safe, document the damage by taking detailed photos or videos. This will be important for insurance claims and any necessary inspections. Capture different angles and aspects of the damage, including any damage to the surrounding area that might have impacted the roof.
  3. Temporary Repairs – To prevent further damage from weather exposure, consider temporary repairs such as covering holes with tarps or securing loose areas. However, only do this if it’s safe to access the roof; otherwise, wait for professionals.
  4. Contact Your Insurance Company – Report the damage to your insurance company as soon as possible. Provide them with the documentation of the damage and any initial steps you’ve taken. They will guide you through the claims process and may schedule an inspection to assess the damage.
  5. Seek Professional Roof Inspection – Contact a reputable roofing contractor to conduct a thorough inspection. They can provide a detailed assessment of the damage, recommend repairs, and offer an estimate for the work needed. Ensure the contractor is licensed and insured, particularly for work in Louisiana.
  6. Avoid Further Damage – Take steps to mitigate any further damage. This might include moving valuables to a safe location if the interior of your home is exposed to the elements or shutting off utilities if there’s a risk of electrical issues or gas leaks due to the damage.
  7. Keep Receipts – Keep receipts for any expenses related to temporary repairs or other costs incurred due to the roof damage. These may be reimbursable under your insurance policy.
  8. Review Your Insurance Policy – Familiarize yourself with the details of your insurance coverage, including deductibles, coverage limits, and any exclusions. This will help you understand what costs you might be responsible for and what compensation you can expect from your insurance.
  9. Prepare for the Claims Process – Be prepared for the insurance claims process, which may include providing additional documentation, meeting with an insurance adjuster, and obtaining multiple repair estimates as required by your insurer.
  10. Contact a Roof Damage Claim Attorney in Louisiana – In Louisiana, where severe weather events like hurricanes can cause significant roof damage, having an attorney can be particularly beneficial.

Given the stakes involved in wind damage roof insurance claims and the potential for disputes with insurance companies, consulting our Louisiana roof damage insurance claims attorneys at The Morgan Law Group can be a wise decision for you facing Louisiana roof damage claims. We can advocate on your behalf, ensuring that your insurance company fulfills its obligations under your policy and that you receive the compensation you need to repair your home effectively. Contact us today to schedule your free consultation.