Living in Kansas, storms are an unavoidable part of life — and they can do a number on your roof. The good news is that in many cases, homeowners insurance may cover storm-related roof damage. But navigating the claims process can be confusing. Here’s what every homeowner should know.

What Types of Storm Damage Are Covered?

Most homeowners insurance policies cover damage from:

Wind and Hail: These are among the most common causes of roof claims in Kansas.
Falling Debris: Trees or limbs that fall on your roof during a storm are typically covered.
Water Damage (with conditions): If water enters due to storm damage, it may be covered, but flooding from ground water usually is not.

What’s Not Covered?

General Wear and Tear: Insurance doesn’t cover damage due to age or lack of maintenance.
Improper Installation: If your roof wasn’t installed properly, you may be on the hook.
Neglect: Delayed repairs or failure to maintain your roof can void coverage.

Tips for Filing a Successful Claim

Document the Damage: Take clear photos and videos immediately after the storm.
Get a Professional Inspection: Gorilla Exteriors can assess damage and provide a detailed report.
Notify Your Insurance Company Promptly: Waiting too long can complicate your claim.
Work With a Contractor Experienced in Insurance Claims: We help you navigate the process and ensure nothing gets missed.

Why Choose Gorilla Exteriors?

Our team has years of experience working with insurance companies. We’ll inspect your roof, meet with your adjuster, and advocate for fair compensation so you don’t have to go it alone.

Don’t assume your roof damage isn’t covered. Reach out for a free inspection and let Gorilla Exteriors help you take the stress out of the storm recovery process.

Understanding Homeowners Insurance Policies

Homeowners insurance policies can vary significantly from one provider to another, making it essential for homeowners to understand the specifics of their coverage. This includes knowing the different types of policies available, such as HO-1, HO-2, HO-3, and HO-5, each offering varying levels of protection against storm damage and other risks.

For instance, an HO-3 policy typically covers all perils except those explicitly excluded, while an HO-5 policy provides broader coverage, including personal property. Homeowners should review their policy documents carefully and consult with their insurance agent to clarify any uncertainties regarding storm damage coverage.

Common Storm Damage Claims in Kansas

In Kansas, homeowners frequently file claims for storm damage, particularly due to severe weather events such as tornadoes and hailstorms. Understanding the most common types of claims can help homeowners prepare for potential damage and streamline the claims process.

Wind damage is often reported during storms, leading to missing shingles or compromised roofing structures. Hail damage can also result in significant issues, necessitating repairs or replacements. By being aware of these common claims, homeowners can take proactive measures, such as regular inspections and maintenance, to mitigate potential damage.

The Role of a Public Adjuster in Claims

A public adjuster can be a valuable ally for homeowners navigating the claims process after storm damage. Unlike insurance adjusters, who work for the insurance company, public adjusters represent the policyholder's interests and can help ensure a fair settlement.

They assess the damage, document the claim, and negotiate with the insurance company on behalf of the homeowner. This can be particularly beneficial for complex claims or when homeowners feel their initial offers are inadequate. Engaging a public adjuster can lead to more favorable outcomes in the claims process.

Free Roof Inspections: What to Expect

Gorilla Exteriors offers free roof inspections to homeowners concerned about storm damage. This service provides an opportunity for homeowners to have their roofs evaluated by experienced professionals who can identify potential issues before they escalate.

During the inspection, our experts will examine the roof for signs of damage, such as missing shingles or leaks, and provide a detailed report on their findings. This proactive approach not only helps in addressing existing problems but also aids in preparing for potential insurance claims, ensuring homeowners are well-informed and equipped to handle any necessary repairs.

Does Your Homeowners Insurance Cover Storm Damage? Here’s What to Know