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  • A Smart Homeowner’s Guide to Roof Repair

    Date
    Wed Feb 25

    A problem with your roof often feels like a mystery you have to solve against the clock. Is that dark spot on the ceiling a new leak or an old stain? Are those granules in the gutter a sign of normal aging or something more serious? Before you can even think about a solution, you need to understand the problem. This guide will teach you how to read the signs your roof is giving you. We’ll cover what to look for inside and outside your home, explain what a typical roof repair actually involves, and help you determine when it’s time to call in a professional for an expert opinion.

    Key Takeaways

    • Regular inspections are your best defense: You can prevent expensive, large-scale projects by catching small problems early. Look for warning signs like ceiling stains, missing shingles, or clogged gutters to address issues before they escalate.
    • Vet your roofer carefully: The quality of a repair depends entirely on the skill of the professional. Always confirm that a contractor is licensed, insured, and has proven experience with your specific type of roof.
    • Know when to repair versus replace: A repair is ideal for isolated damage on a younger roof. However, if your roof is over 20 years old or has widespread problems, a full replacement is often the smarter long-term investment.

    How Can You Tell if Your Roof Needs Repair?

    Your roof is your home’s first line of defense, but it can’t always tell you when it needs help. Luckily, you can learn to spot the clues. By checking for warning signs inside and outside your home, you can catch small problems before they become expensive headaches and know exactly when it’s time to call in a professional.

    Check for Warning Signs Inside Your Home

    The earliest signs of a roof problem often appear inside your house, particularly in your attic or on your top-floor ceilings. Keep an eye out for dark water stains, peeling paint, or bubbling plaster, as these are classic indicators of a leak. A musty or damp smell in your attic is another red flag. These issues often happen when aging shingles or poor sealing around vents let moisture seep through the underlayment and begin to damage the roof deck. If you notice any of these signs, it’s a clear signal that your residential roofing system needs immediate attention to prevent further interior damage.

    Spot Damage on the Outside

    You don’t need a ladder to get a sense of your roof’s condition. From the ground, you can often spot obvious signs of wear and tear. Look for shingles that are cracked, curling at the edges, or missing entirely. Another telltale sign is finding an accumulation of shingle granules, which look like coarse black sand, in your gutters. The weather here in the Puget Sound region, with its fair share of wind and rain, can really test a roof’s integrity. Clogged gutters or ice dams in the winter can also cause water to back up and seep under the shingles. Spotting this kind of damage early is key.

    Know When to Call a Professional

    While it’s great to be an informed homeowner, some issues require an expert eye. If you see widespread damage, notice your roof is sagging, or know it’s more than 20 years old, it’s time to call for a professional inspection. Trying to diagnose complex problems yourself can lead to overlooking critical issues. A professional roofer can safely assess the damage, identify the root cause, and give you a clear path forward, whether it’s a simple repair or a full replacement. Getting an expert opinion helps you avoid the stress of inadequate planning and ensures any roofing work is handled correctly from the start.

    What Does a Typical Roof Repair Involve?

    When you notice a problem with your roof, it’s natural to wonder what the fix actually entails. A professional roof repair is much more than a simple patch. It’s a systematic process designed to find the root of the problem and provide a durable solution that protects your entire home. A qualified roofer won’t just address the symptom, like a water stain on your ceiling; they will trace it back to the source to ensure it doesn’t happen again.

    The process typically starts with a thorough inspection to assess the full scope of the damage, which might not be obvious from the ground. From there, a typical repair involves several key steps. These can range from replacing a few missing shingles to securing vulnerable areas like flashing. In some cases, the work might go deeper to address the underlying structure of the roof itself. Each step is crucial for restoring your roof’s integrity and ensuring it can stand up to the demanding Puget Sound weather. Understanding what these steps involve can help you feel more confident when you hire a professional for your residential roofing needs.

    Fixing Leaks and Preventing Water Damage

    A roof leak is one of the most common calls a roofer gets, but finding its origin can be tricky. Water can enter through one spot and travel along beams before dripping onto your ceiling, making the source difficult to pinpoint. Common causes include old or damaged shingles, failing sealant around vents and chimneys, or wind-driven rain getting under the roof’s edge.

    A professional repair starts with tracing the leak back to its entry point. This often involves an inspection in the attic and on the roof to check the underlayment and decking for moisture. Once the source is found, the repair involves fixing the compromised area and replacing any water-damaged materials to prevent future issues like mold or wood rot.

    Replacing Damaged Shingles

    Your shingles are your roof’s first line of defense, but they take a beating from the elements. Over time, you might notice shingles that are cracked, curling at the edges, or missing altogether. While it may seem like a minor cosmetic issue, each damaged shingle is a potential entry point for water.

    Replacing them is a precise job. A roofer will carefully remove the damaged shingle and the nails holding it down without disturbing the surrounding ones. They’ll slide a new, matching shingle into place, securing it with the correct nailing pattern and sealing it to protect against wind and moisture. This process restores the protective outer layer of your roof, ensuring it looks and functions as it should.

    Securing Flashing and Gutters

    Flashing consists of the metal pieces installed around chimneys, skylights, and vents, or anywhere the roof plane meets a wall. Its job is to direct water away from these vulnerable joints. Over time, flashing can come loose, corrode, or the sealant around it can degrade, creating a direct path for leaks. A thorough repair includes inspecting all flashing, resealing it, or replacing it if it’s damaged.

    Similarly, your gutters play a vital role in roof health. If they are clogged or damaged, water can back up and seep under the edge of your roof, causing rot. Part of a comprehensive repair often includes ensuring your gutters are clear and functioning correctly.

    Addressing Structural Issues

    Sometimes, roof damage goes more than skin deep. A sagging or dipping roofline is a serious red flag that points to underlying structural problems. This can be caused by prolonged water damage that has weakened the roof deck (the plywood base) or even the supporting trusses and rafters that make up the roof’s frame.

    Addressing these issues is a complex job that goes far beyond patching shingles. It may involve removing sections of the roof to replace rotted decking or reinforcing weakened structural beams. This type of work is critical for the safety and stability of your home and requires the expertise of an experienced residential roofing contractor to handle correctly.

    How Do You Find the Right Roofing Company?

    Choosing a roofing contractor can feel like a huge decision, because it is. Your roof is your home’s first line of defense, and the quality of the repair or replacement depends heavily on the skill of the team doing the work. When your roof needs attention, it’s worth taking the time to vet a reputable roofer you can trust to install your home’s protective layer with precision. A great company will not only do excellent work but also communicate clearly, respect your property, and stand behind their services.

    Finding the right partner for your project comes down to doing a little homework. By focusing on a few key areas, you can confidently select a company that will protect your investment and give you peace of mind. Look for a contractor with a proven track record, the right credentials, and a solid local reputation. These factors separate the professionals from the rest and ensure your roofing project is a success from start to finish.

    Look for Credentials and Certifications

    Think of credentials as a roofer’s report card. Certifications from manufacturers show that a company has been specifically trained to install their products according to strict standards. This is important because improper installation can void the material warranty, leaving you unprotected. When a company invests in training and certification, it signals a commitment to quality and staying current with the best industry practices. Don’t hesitate to ask a potential contractor about their credentials or if they have preferred status with any material manufacturers. It’s a clear indicator of their expertise and dedication.

    Verify Their Experience with Your Roof Type

    Not all roofs are created equal, and neither are all roofers. A company that specializes in composition shingles might not be the best choice for a complex metal or cedar shake roof. Before hiring anyone, make sure they have extensive experience with your specific type of residential roofing. Ask to see a portfolio of their work on homes similar to yours. An experienced contractor will also understand the unique challenges of our Puget Sound climate and recommend materials and techniques that hold up best against wind and rain, ensuring your repair is built to last.

    Check Local Reviews and Reputation

    A company’s reputation is built one project at a time. Before you sign a contract, see what past customers have to say. Look for reviews on independent sites like Google or the Better Business Bureau to get an unbiased picture of their performance. While a perfect record is rare, you should see a consistent pattern of positive feedback regarding communication, professionalism, and quality. Pay attention to how the company responds to any negative reviews, as this can reveal a lot about their commitment to customer satisfaction. A strong local reputation is one of the best indicators of a trustworthy contractor.

    Confirm They’re Licensed and Insured

    This step is non-negotiable. A legitimate roofing company must be able to provide proof of both licensing and insurance. A license confirms that the contractor is registered with the state and has met local requirements to perform roofing work. Insurance is even more critical, as it protects you. General liability insurance covers any damage to your property, while worker’s compensation covers injuries to the crew while on your property. Without this coverage, you could be held financially responsible for accidents. Asking for these documents isn’t just smart; it’s essential for protecting yourself and your home.

    What Factors into the Cost of a Roof Repair?

    When you get a quote for a roof repair, the final number can feel a bit like a mystery. The truth is, several key elements come together to determine the cost, and no two repairs are exactly alike. Understanding what goes into the estimate can help you feel more confident about your investment and plan your budget accordingly. The price isn’t just about replacing a few shingles; it’s a reflection of the specific materials needed, the severity of the problem, the unique design of your roof, and the skilled labor required to get the job done right.

    Think of it this way: a small patch on an easily accessible garage roof will have a very different price tag than a complex repair on a steep, multi-level home. The main factors that influence the cost are the materials used, the extent of the damage, your roof’s pitch and accessibility, and local labor and permit fees. Each of these plays a significant role in the final estimate. If you’re looking for a starting point, using a roofing cost calculator can give you a general idea, but a professional inspection is the only way to get a truly accurate quote for your specific situation.

    The Type and Quality of Materials

    The material your roof is made of is one of the biggest factors in the repair cost. A standard composition shingle is generally the most affordable to repair, while materials like cedar shake, metal, or DaVinci Roofscapes require more specialized products and expertise, which can increase the price. It’s not just about matching what you already have; it’s also about the quality of the replacement materials. Opting for a higher-grade shingle or flashing might cost a little more upfront, but it provides better durability against future wind and rain, saving you from repeat repairs down the road. We work with a wide range of residential roofing materials to ensure a perfect match and a lasting fix.

    The Extent of the Damage

    A minor repair is always going to be more affordable than a major one. Replacing a handful of shingles that blew off in a storm is a relatively quick and simple job. However, if you’re dealing with a persistent leak that has damaged the underlying decking or insulation, the repair becomes much more involved. Common issues like aging shingles, poor sealing around vents, or wind damage can worsen over time. If the damage is widespread or your roof is more than 20 years old, the cost of multiple repairs might start to approach the cost of a full replacement, which could be a more sensible long-term investment.

    Your Roof’s Accessibility and Pitch

    Not all roofs are created equal when it comes to ease of access. A low-slope roof on a single-story home is much simpler and safer for a crew to work on than a steep, high-pitched roof on a three-story house. Difficult access, sharp angles, and multiple levels all require additional safety equipment, more complex staging, and extra time. This complexity naturally adds to the labor costs. If your home is surrounded by delicate landscaping or has limited access points, the crew will need to take extra precautions to protect your property, which can also be factored into the overall cost.

    Labor and Local Permit Fees

    The cost of labor reflects the experience and skill of the roofing professionals doing the work. While it might be tempting to find the cheapest option, quality workmanship is what ensures your repair will last. You’re paying for the crew’s expertise in properly diagnosing the problem and executing a durable fix. Additionally, most municipalities in the Puget Sound area require permits for roofing work to ensure it meets local building codes. A professional roofing company will handle the entire permitting process for you, but the city’s permit fee itself will be included in the final cost of the project.

    Should You Repair or Replace Your Roof?

    Deciding between a roof repair and a full replacement is one of the biggest choices a property owner can make. It’s not just about fixing a leak; it’s about protecting your investment and ensuring your home or building is safe and secure for years to come. The right answer depends on a few key factors, including your roof’s age, the type and extent of the damage, and your long-term plans for the property. Understanding the difference can save you from spending too much on a roof that’s failing or too little on a quick fix that won’t last. Let’s walk through how to make the best decision for your situation.

    When a Repair Makes the Most Sense

    If your roof is relatively young and the damage is contained to a small area, a repair is usually the most practical and cost-effective solution. Think of issues like a few missing shingles after a storm, a minor leak around a chimney, or loose flashing. These problems are localized and don’t necessarily mean the entire roofing system is compromised. Staying proactive with seasonal maintenance and addressing these small issues quickly is the best way to extend the life of your roof. A targeted repair can effectively solve the problem, prevent further damage, and keep your home protected without the expense of a full overhaul. It’s a smart way to manage your home’s upkeep and protect your wallet.

    Signs It’s Time for a Full Replacement

    Sometimes, a simple repair just isn’t enough. If your roof is over 20 years old, it’s likely nearing the end of its intended lifespan, and you should start planning for a replacement. Other clear signs include widespread damage, like large sections of cracked, curling, or bald shingles. Take a look at the structure itself. If you notice your roof is sagging or drooping in certain areas, it’s a serious red flag that points to underlying structural issues. Persistent leaks that keep returning despite previous repairs are another indicator that the entire system is failing. In these cases, a full residential roofing replacement is the only way to guarantee your home is properly protected.

    Considering the Long-Term Value

    When you’re weighing your options, it’s important to think beyond the immediate price tag. While a repair is less expensive upfront, it can become a costly cycle if your roof has recurring problems. Ongoing issues like leaks and poor attic ventilation can lead to significant interior damage, mold growth, and even higher energy bills. Investing in a new roof can provide better long-term value by improving energy efficiency, increasing your property’s curb appeal, and giving you peace of mind for decades. If you’re trying to figure out the potential costs, using a roofing cost calculator can give you a helpful starting point for budgeting. Ultimately, choosing a replacement is an investment in your property’s future.

    Are These Common Myths Costing You Money?

    When it comes to your roof, what you don’t know can definitely hurt your wallet. Many homeowners rely on common “wisdom” that sounds right but often leads to bigger, more expensive problems down the road. Believing these myths can turn a minor issue into a major renovation project. Let’s clear up a few misconceptions about roof repair so you can make smart, informed decisions that protect your home and your budget. Understanding the truth behind these common beliefs is the first step toward effective and lasting roof maintenance. By separating fact from fiction, you can avoid unnecessary expenses and ensure your roof remains in top condition for years to come.

    The Hidden Risks of a DIY Fix

    It’s tempting to think you can save a few dollars by climbing up on the roof and fixing a problem yourself. While the DIY spirit is admirable, roof repair is one area where it’s best to call a professional. Repairing your own roof is very dangerous and can lead to serious injury. Professionals have the right training, safety gear, and insurance to handle the job safely. Beyond the personal risk, an improper repair can void your roof’s warranty or fail to address the underlying issue, causing more extensive water damage over time. A professional residential roofing contractor can diagnose the problem correctly and ensure the fix is done right the first time, saving you from future headaches and costs.

    Why Waiting to Repair Is a Costly Mistake

    Seeing a small water spot on the ceiling or a single missing shingle might not seem like an emergency, but ignoring it is a gamble. Procrastination is a roof’s worst enemy. A minor issue can quickly escalate, allowing water to seep into your attic, walls, and foundation, leading to wood rot, mold growth, and compromised structural integrity. Staying proactive with inspections and timely repairs helps protect your roof and your wallet. Addressing a small problem now is far more affordable than paying for extensive water damage restoration later. Think of it as preventative care for your home; a small investment today prevents a massive expense tomorrow.

    The Problem with “Quick Patch” Solutions

    Applying a bit of sealant or a patch over a leak might seem like a clever, inexpensive fix, but it’s usually just a temporary bandage on a deeper problem. A quick patch rarely addresses the root cause of the leak. Common causes of roof leaks include aging shingles, poor sealing around vents, wind damage, and even improper attic ventilation. Simply covering the symptom doesn’t solve the underlying issue. Fixing issues fast and correctly stops bigger damage to your home. A professional will identify the real reason for the leak and provide a comprehensive repair that ensures your home stays protected for the long haul.

    How Can You Get Ready for a Roof Repair?

    Once you’ve chosen a contractor and scheduled your roof repair, a little preparation can make a big difference. Taking a few simple steps before the crew arrives helps the project run smoothly and protects your property. It also gives you peace of mind, knowing you’ve done your part to set the stage for a successful repair. Think of it as a partnership: your contractor brings the expertise, and you provide a clear, safe space for them to work. This teamwork ensures the job gets done efficiently and with minimal disruption to your daily life. From clearing the yard to planning for potential surprises, getting ready is a straightforward process that pays off.

    Prepare Your Home and Property

    First, focus on the areas directly around your house. The roofing crew will need clear access, so move any vehicles from the driveway and garage. It’s also a good idea to relocate patio furniture, grills, potted plants, and kids’ toys to a safe spot away from the house. This prevents them from being damaged by falling debris. Inside, the work on the roof can cause vibrations, so take down any pictures, mirrors, or fragile decorations from the walls and shelves, especially on the top floor. You might also want to cover furniture in rooms directly below the repair area with plastic sheeting to protect it from dust.

    Plan for Weather and Necessary Permits

    Roofing is a job best done in dry weather. While your contractor will watch the forecast closely, the weather here in the Puget Sound can be unpredictable. Be prepared for potential delays if rain or high winds are expected. A professional team will never expose your home to the elements, so they will only work when conditions are safe. Your contractor should also handle any necessary permits for the job. Most minor repairs don’t require one, but larger projects often do. A reputable company will understand local building codes and manage the entire permitting process for you, ensuring your residential roofing project is fully compliant.

    Budget for Unexpected Findings

    It’s always smart to have a little cushion in your budget for the unexpected. Sometimes, when old roofing materials are removed, hidden issues like soft or rotted wood decking are discovered underneath. These problems aren’t visible during an initial inspection but must be fixed to ensure a lasting repair. A good rule of thumb is to set aside a contingency fund of about 10% to 20% of the total estimated cost. You can use a roofing cost calculator to get a baseline idea for your budget. If your contractor finds anything that needs extra attention, they should stop, show you the problem, and provide a clear change order with the additional costs before moving forward.

    What Kind of Warranty Should You Expect?

    A roof repair is a significant investment, and a good warranty is your assurance that the job was done right with quality materials. When you hire a roofing company, you’ll typically encounter two different types of warranties that work together to protect your home. One comes from the contractor who does the work, and the other comes from the manufacturer of the materials they install. Understanding what each one covers is key to feeling confident in your repair and knowing you’re protected for years to come.

    Understanding the Workmanship Warranty

    Think of the workmanship warranty as your contractor’s promise that they stand behind their installation. This warranty specifically covers the quality of the labor. If a leak appears or a shingle comes loose because it was installed incorrectly, the residential roofing, this warranty is your safeguard against installation errors.

    What the Material Guarantee Covers

    While the contractor covers the installation, the manufacturer covers the product. A material guarantee, or manufacturer’s warranty, protects you against defects in the roofing materials themselves. For example, if a batch of shingles was produced with a flaw that causes them to curl or degrade prematurely, this warranty would cover the cost of the replacement materials. Some manufacturers offer extended warranties that provide even more comprehensive coverage. This guarantee ensures the products used on your commercial roofing project are free from manufacturing defects that could compromise their performance.

    Knowing the Limitations and Exclusions

    It’s just as important to know what a warranty doesn’t cover. A workmanship warranty won’t apply if the problem is due to a defective shingle, and a material warranty won’t cover a leak caused by poor installation. Neither type of warranty typically covers damage from external events like severe storms, hail, or a tree falling on your house; that’s where your homeowner’s insurance policy comes into play. Always read the fine print to understand any limitations, exclusions, or actions that could void your coverage, such as making unauthorized repairs or alterations to the roof.

    How Can You Prevent Future Roof Damage?

    After a roof repair, the last thing you want is to go through the process again anytime soon. The best way to protect your investment and avoid future headaches is to shift from a reactive mindset to a proactive one. A little preventative care goes a long way in extending the life of your roof and keeping your home safe and dry. By catching small issues before they become major problems, you can save yourself from the stress and expense of emergency repairs down the road.

    Stick to a Regular Maintenance Schedule

    Think of your roof like any other major part of your home; it needs regular check-ups to perform its best. Staying proactive with seasonal maintenance and timely repairs helps protect your roof and your wallet. Make it a habit to do a visual inspection from the ground after major storms to spot any obvious damage. You should also trim back any overhanging tree branches that could scrape against your shingles or fall during high winds. Keeping your roof clear of leaves and other debris prevents moisture from getting trapped, which can lead to rot. A consistent maintenance routine is the foundation of a healthy residential roofing system.

    Get Professional Inspections

    While you can spot some issues from the ground, nothing beats a trained eye. A professional roofing inspection can identify subtle signs of wear and tear that might otherwise go unnoticed until a leak appears in your living room. An expert can safely assess the condition of your shingles, check the flashing around chimneys and vents, and look for signs of underlying structural issues. Homeowners should always be aware of warning signs like missing shingles or clogged gutters, but a professional can diagnose the root cause and recommend the right solution. Scheduling an inspection every couple of years gives you peace of mind and a clear picture of your roof’s health.

    Keep Your Gutters Clean and Clear

    It’s a chore that’s easy to put off, but keeping your gutters clean is one of the most important things you can do for your roof. When gutters get clogged with leaves, twigs, and other debris, water can’t drain properly. This overflow can seep into your roofline and siding, causing water damage and rot. In the winter, clogged gutters contribute to ice damming, a common problem where freezing water lifts shingles and finds its way inside your home. Regular gutter cleaning is a simple, effective way to prevent serious issues. If you’re not comfortable on a ladder, professional gutter services can handle the job for you.

    What Should You Do in a Roofing Emergency?

    A sudden roof leak or storm damage can feel overwhelming, but a clear head and quick action can make all the difference. When you’re faced with a roofing emergency, your first priority is to minimize the damage to your home’s interior and ensure everyone’s safety. After you’ve taken immediate steps to control the situation, you’ll need to assess whether to call for professional help and how to begin the insurance process. Having a plan helps you stay in control during a stressful time and protects your property from further harm.

    Take These Steps Immediately

    The moment you spot a leak, place a bucket or waterproof container underneath to catch the water. If the ceiling is bulging, carefully puncture the center with a small tool to release the pressure and prevent a larger collapse. Move any furniture, electronics, or valuables out of the affected area to protect them from water damage. If it’s safe to do so, head to your attic to try and spot the source of the leak. Common causes range from wind-driven rain and ice dams to aging shingles. Don’t climb on the roof, especially during a storm. Your goal is simply to contain the immediate problem until a professional can safely assess the exterior.

    Know When to Call for Emergency Help

    While a small, isolated leak might seem like a manageable DIY project, most roofing emergencies require professional attention. Attempting a fix without the right experience can lead to bigger structural issues and more expensive repairs down the road. You should call for emergency roof repair if you see widespread damage, multiple leaks, or any sagging in the roof structure. If your roof is over 20 years old, what looks like a minor issue could be a sign of a much larger problem. A professional roofer has the tools and safety equipment to properly diagnose the issue and perform a durable repair that protects your home.

    How to Handle the Insurance Claim

    Once you’ve addressed the immediate safety concerns, your next step is to document everything for your insurance claim. Take clear photos and videos of both the interior and exterior damage. Capture images of missing or damaged shingles, issues with flashing, and any water stains or drips inside your home. Contact your insurance provider as soon as possible to report the damage and start the claims process. Be prepared to describe what happened, including any recent weather events like heavy rain or high winds. Keep detailed records of your conversations with the insurance company and save all receipts for any temporary repairs you make to prevent further damage.

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    Frequently Asked Questions

    How often should I get my roof professionally inspected? A good rule of thumb is to have a professional look at your roof every two to three years. However, it’s also smart to schedule an inspection after any major weather event, like a severe windstorm. Regular check-ups help you catch subtle issues before they turn into serious leaks, giving you a clear picture of your roof’s health and helping it last as long as possible.

    My roof isn’t that old, so why is it already leaking? Age is just one factor in a roof’s health. A premature leak can happen for several reasons. It could be from storm damage that lifted a shingle, failing sealant around a vent or chimney, or even an issue with the original installation. The unique weather we get in the Puget Sound can also test a roof. An expert inspection can pinpoint the exact cause and determine the best way to fix it.

    Can a small leak really cause that much damage? Absolutely. That small drip you see is often just the final symptom of a much larger problem. By the time water shows up on your ceiling, it has likely already soaked through insulation, saturated the wood decking, and created a perfect environment for mold. Addressing a leak as soon as you spot it is the best way to prevent a small problem from turning into a costly structural repair.

    What’s the difference between a workmanship and a material warranty? Think of it this way: the material warranty covers the shingles themselves, protecting you if they have a manufacturing defect. The workmanship warranty, on the other hand, covers the installation. It’s your contractor’s promise that they did the job correctly. Both are important because even the best materials will fail if they aren’t installed with skill and precision.

    Will my homeowner’s insurance cover my roof repair? It depends on what caused the damage. Most insurance policies cover damage from sudden, accidental events like wind, hail, or a fallen tree. They typically do not cover repairs needed due to old age, wear and tear, or a lack of maintenance. Your best first step is to document the damage with photos and then contact your insurance provider to review your specific policy.