Roof Damage – Frequently Asked Questions

My home has a ceramic tile roof (called “S” tiles) that was recently damaged by severe winds associated with a thunderstorm. Some tiles were completely blown off, some were displaced, some were cracked and many are loose. I guess at least a third of my tiles were damaged. I also have leaks on the ceiling in four different rooms now. Does my insurance company owe me for the whole roof or will they just try to repair it?
It may depend on what state you reside in and what your local building codes are. In Florida, it certainly sounds like a case can be made for replacement of your entire residential roof tiles and underlayment. Florida building code basically says (and we are paraphrasing here) that if you have 25% or more of your roof damaged within a 12 month period, then the entire roof must be replaced. It sounds like in addition to the tiles, the underlayment needs replacement to stop your leaks and you may need to have the roof sheathing renailed to code. Most residential policies have what is called “Ordinance and Law” coverage to pay for the increased cost of code upgrades.

We recently had a hail storm in our area and my car was dented all over. How can I tell how much my asphalt shingle roof was damaged?
The impact of hail can loosen and remove the granules on the surface of the shingles. Many times heavy accumulation of granules will appear in your gutters or areas beneath your eave. There are frequently dimples on your shingles that may be round, half-round or crescent shaped indentions. Often there are also dents in the metal components of the roof such as flashing, ridge vents and vent stacks. Most homeowner policies do cover the perils of windstorm and hail to your building. Tutwiler and Associates can help sort out the old and new damage to help you get full benefits under your policy.

We are the property managers of an eight story office building that recently had a fire on the 7th and 8th floors. A hole was also burned through the roof. The owners are now having the tenants vacate the premises due to smoke and water damage. The fire department says an electrical short caused the fire. Temporary repairs to the roof are not holding and rents are being lost. Recent rains are complicating our loss. Our insurance company seems to be moving at a snail’s pace. How can you help us?
This certainly sounds like the type of situation where we can be of service. You will need to make continued efforts to stop your roof leaks by means of additional temporary repairs. Notify your insurance company in writing of the action you are taking to reduce your damages. Take photos before and after to document your roof damage. Not only can Tutwiler and Associates assist in your roof and building loss claim, but we also have business interruption specialists on staff to assist with your loss of rents, and extra expense coverage

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