Our area was hit hard by devastating tornados and severe storms last week and many homeowners were left with significant damage or the complete loss of their home. They have a long road to recovery from the losses they have endured.

These unfortunate events can be a reminder for everyone to be sure you understand your insurance policies.

Here are some considerations:

1. Does your policy include rental house insurance to cover a place to live while your home is being restored?
2. Do your policies cover the cost of a rental car if your vehicles are totaled?
3. Is water damage to your property covered? If there are no wind clips on the trusses, and this is discovered by the adjustor, it could present problems for your coverage.
4. Cosmetic damage, such as dings on windows and roofs, are now subject to a new state law as of Jan. 1, 2024 and coverage is at the discretion of your insurance company.
5. Many insurance companies no longer cover metal damage and minor roof damage, be sure to understand what is included in your policy.

If your home or business has sustained wind or hail damage, contact the Rooferees.