When severe weather strikes, your roof is your property’s first line of defense. Hail, high winds, and heavy rains can leave behind significant damage, threatening the safety of your home or business. EC Roofing specializes in comprehensive storm damage roof repair services for Maryland homeowners and business owners. From emergency repairs to insurance claims assistance, our experienced team is here to restore your roof and protect what matters most.

In the aftermath of a storm or weather-related event that damages your roof, it’s natural to want to begin repairs immediately to protect your property and ensure everyone’s safety. Whether it’s your home or business, keeping your belongings and assets safe from the elements until your insurance company pays out is crucial. Contact EC Roofing at 410-455-9880 for guidance on roof insurance claims.

Signs of Storm Damage to Your Roof

Storm damage is not always immediately visible, but ignoring it can lead to costly repairs down the line. Look for these common signs of storm-related roof damage:

  • Missing or Broken Shingles: Wind and hail can rip shingles off or cause them to crack, leaving your roof exposed.
  • Dented Flashing or Gutters: Hail often leaves dents or cracks in roof flashing and gutters, compromising water flow.
  • Leaks or Water Stains: Moisture infiltration caused by roof damage may lead to visible leaks or water stains inside your property.
  • Granule Loss: Check your gutters for shingle granules, a sign that hail or high winds have worn down your roof’s protective layer.
  • Sagging or Structural Damage: Heavy rain or fallen debris can weaken your roof’s structure, putting your entire property at risk.

Not sure if your roof has storm damage? Call EC Roofing at 410-455-9880 for a free storm damage inspection today.

What Storm Damage Does Insurance Cover?

It is best to file a roof damage claim before repairing the roof. The insurance company may require you to work with an approved roof contractor to make the repairs. In some cases, your Maryland Roof insurance company might decide to replace the roof rather than repair it. You can hire a professional to put a tarp on the roof or protect it in some other way until the full repair or replacement is made.

Most insurers cover the following issues when it comes to your roof:

  • Fire
  • Lightning strikes
  • Falling objects 
  • “Acts of God” 
  • Hail
  • Wind
  • Vandalism

Roof damage may not be covered if:

  • You have an old roof (10-20 years or older)
  • The roof has not been maintained, leading to the roof damage
  • Intentional or accidental damage on the part of the homeowner’s

Frequently Asked Questions

Will filing a homeowner’s insurance claim for roof damage raise my premium?

Several different factors go into deciding on an increase in insurance premiums for a roof damage on an insurance claim. One factor is the number of insurance claims you have had in the last 10 years. If you have made several claims in one to three years, then your Maryland insurance premiums are more likely to increase than if it’s the only claim you have made in the past 10 years. Other factors include the cause of the claim, the total cost of claim, and the state you live in.

How long will it take to settle my claim?

Claim processing times can vary depending on the type and severity of the roof damage, how many other claims the insurance company is processing (as in the case of a natural disaster), how quickly you make a claim, and when an adjuster is available to assess the damage. Once the claim is settled, it can take approximately 30 to 60 days to receive the claim check, although some states have laws that regulate that the check must be received within 30 days of settlement.

Does homeowners insurance cover roof leaks?

Homeowners’ insurance may or may not cover roof leaks, depending on what caused the roof leak. If a covered peril caused the roof leak then homeowners insurance should cover it. Roof insurance claims usually do not cover roof leaks if the leak is due to an old roof, a neglected roof, a poorly maintained roof, or something the homeowner did to damage the roof.

Will my roof insurance claim be denied because my roof is old?

An insurance claim for roof damage may be denied because of the age of your roof. If the roof is too old or the damage is caused by normal wear and tear, it is unlikely that your roof insurance policy is going to cover the cost to repair the damage or replace the roof. EC Roofing estimates the average life expectancy of an asphalt shingle roof is around 20 to 40 years, while wood shingles should last for up to 30 years. Fiberglass shingles should last up to 50 years.

Contact EC Roofing for Storm Damage Roof Repairs in Maryland!

When storm damage threatens your property, trust EC Roofing to deliver fast, reliable solutions. Don’t wait for the damage to get worse! Contact us today!