{"id":465,"date":"2021-04-28T14:04:07","date_gmt":"2021-04-28T14:04:07","guid":{"rendered":"https:\/\/americanelite.com\/?p=465"},"modified":"2021-04-28T14:04:07","modified_gmt":"2021-04-28T14:04:07","slug":"types-of-storm-damage-and-how-insurance-handles-them","status":"publish","type":"post","link":"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/","title":{"rendered":"Types of Storm Damage and How Insurance Handles Them"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Illinois has erratic weather that brings high winds, ice, snow and hail\u2013all of which can take their toll on a roof. Let\u2019s take a look at some of the roof damage storms can leave in their wake!\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Hail<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Hail has the ability to cause extensive roof damage, which can vary based on the roofing material used. An asphalt roof, for example, can damage shingles and expose the felt below it. This leaves the roof vulnerable to leaks and rot.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">*Most homeowners insurance policies do cover hail damage\u2013one of the most common types.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Wind\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Whether the high wind is accompanied by another severe weather event or not, it has the ability to cause serious damage to a roof. Shingles can blow off, branches and trees can fall on it, and other debris may also cause problems such as leaks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">*Most insurance policies will cover this, including felled trees and branches resulting from high winds.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Rain<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Heavy rains have the ability to damage your roof with leaks, rot, mold, stains, cracks and more. Standing water can easily damage the surface of the roof and seep into the home.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">*Most homeowner\u2019s insurance policies cover rain damage\/acts of God as long as it\u2019s not the result of negligence .<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Ice\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ice dams result from melting snow and can lead to damaging leaks if left untreated.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">*Most insurance policies do cover this damage, but the condition of your roof will impact the claim.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Tornadoes<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Obviously, tornadoes can be very destructive. They can easily suck roofing material off the home and flying debris will also cause damage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">*Homeowners Insurance policies usually cover roof damage resulting from high winds, but it can vary based on where you live, the type of coverage and the cause of the damage.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Thunder\/Lightning\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Thunder and lightning have the ability to blast the shingles off your roof and could lead to a fire if the beams ignite.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">*Most policies do cover damage from lightning strikes.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Insurance Claims<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When your roof has undergone storm damage, you\u2019ll want to call your insurance company.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tips for filing a homeowner\u2019s insurance claim:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have your insurance policy in front of you when you call.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep a list of details in front of you that includes the type of storm that caused the damage as well as the time it occurred.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get to know the procedures and deadlines for the claims process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Go over the details of what repairs \u2013 or replacement \u2013 your insurance policy covers.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make an appointment to meet with their insurance adjuster ASAP. They will inspect the damage closely and determine their perceived cost of repairs. Your roofing contractor and public adjuster should also be present to ensure everything gets filed properly.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Discuss the details of the claims payment process, such as how it will be paid out.\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Get A Public Adjuster<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">At American Elite, we are also public insurance adjusters who are able to help you get every penny you deserve. Having us on your side can help you be sure everything is done properly!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Illinois has erratic weather that brings high winds, ice, snow and hail\u2013all of which can take their toll on a roof. Let\u2019s take a look at some of the roof damage storms can leave in their wake!\u00a0 Hail Hail has the ability to cause extensive roof damage, which can vary based on the roofing material [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":466,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9,14,8],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Types of Storm Damage and How Insurance Handles Them - American Elite<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Types of Storm Damage and How Insurance Handles Them - American Elite\" \/>\n<meta property=\"og:description\" content=\"Illinois has erratic weather that brings high winds, ice, snow and hail\u2013all of which can take their toll on a roof. Let\u2019s take a look at some of the roof damage storms can leave in their wake!\u00a0 Hail Hail has the ability to cause extensive roof damage, which can vary based on the roofing material [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/\" \/>\n<meta property=\"og:site_name\" content=\"American Elite\" \/>\n<meta property=\"article:published_time\" content=\"2021-04-28T14:04:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/americanelite.com\/wp-content\/uploads\/2021\/04\/cropped-shot-of-craftsman-checking-house-figure-by-stethoscope-home-inspection-concept.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1335\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"American Elite\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"American Elite\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/\"},\"author\":{\"name\":\"American Elite\",\"@id\":\"https:\/\/americanelite.com\/#\/schema\/person\/7ff486ac7d98e49f324553dd4e51fbe1\"},\"headline\":\"Types of Storm Damage and How Insurance Handles Them\",\"datePublished\":\"2021-04-28T14:04:07+00:00\",\"dateModified\":\"2021-04-28T14:04:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/\"},\"wordCount\":517,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/americanelite.com\/#organization\"},\"articleSection\":[\"Insurance Claims\",\"Public Adjuster\",\"Storm Damage\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/\",\"url\":\"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/\",\"name\":\"Types of Storm Damage and How Insurance Handles Them - American Elite\",\"isPartOf\":{\"@id\":\"https:\/\/americanelite.com\/#website\"},\"datePublished\":\"2021-04-28T14:04:07+00:00\",\"dateModified\":\"2021-04-28T14:04:07+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/americanelite.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Types of Storm Damage and How Insurance Handles Them\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/americanelite.com\/#website\",\"url\":\"https:\/\/americanelite.com\/\",\"name\":\"American Elite\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/americanelite.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/americanelite.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/americanelite.com\/#organization\",\"name\":\"American Elite\",\"url\":\"https:\/\/americanelite.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/americanelite.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/americanelite.com\/wp-content\/uploads\/2021\/04\/5ecdde3f8fa288454e8f7f7a_logo.png\",\"contentUrl\":\"https:\/\/americanelite.com\/wp-content\/uploads\/2021\/04\/5ecdde3f8fa288454e8f7f7a_logo.png\",\"width\":1232,\"height\":345,\"caption\":\"American Elite\"},\"image\":{\"@id\":\"https:\/\/americanelite.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/americanelite.com\/#\/schema\/person\/7ff486ac7d98e49f324553dd4e51fbe1\",\"name\":\"American Elite\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/americanelite.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/bf09c02f909a10d6ccd1fed724246baf?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/bf09c02f909a10d6ccd1fed724246baf?s=96&d=mm&r=g\",\"caption\":\"American Elite\"},\"sameAs\":[\"https:\/\/americanelite.com\"],\"url\":\"https:\/\/americanelite.com\/author\/brad\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Types of Storm Damage and How Insurance Handles Them - American Elite","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/","og_locale":"en_US","og_type":"article","og_title":"Types of Storm Damage and How Insurance Handles Them - American Elite","og_description":"Illinois has erratic weather that brings high winds, ice, snow and hail\u2013all of which can take their toll on a roof. Let\u2019s take a look at some of the roof damage storms can leave in their wake!\u00a0 Hail Hail has the ability to cause extensive roof damage, which can vary based on the roofing material [&hellip;]","og_url":"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/","og_site_name":"American Elite","article_published_time":"2021-04-28T14:04:07+00:00","og_image":[{"width":2000,"height":1335,"url":"https:\/\/americanelite.com\/wp-content\/uploads\/2021\/04\/cropped-shot-of-craftsman-checking-house-figure-by-stethoscope-home-inspection-concept.jpg","type":"image\/jpeg"}],"author":"American Elite","twitter_card":"summary_large_image","twitter_misc":{"Written by":"American Elite","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/#article","isPartOf":{"@id":"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/"},"author":{"name":"American Elite","@id":"https:\/\/americanelite.com\/#\/schema\/person\/7ff486ac7d98e49f324553dd4e51fbe1"},"headline":"Types of Storm Damage and How Insurance Handles Them","datePublished":"2021-04-28T14:04:07+00:00","dateModified":"2021-04-28T14:04:07+00:00","mainEntityOfPage":{"@id":"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/"},"wordCount":517,"commentCount":0,"publisher":{"@id":"https:\/\/americanelite.com\/#organization"},"articleSection":["Insurance Claims","Public Adjuster","Storm Damage"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/","url":"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/","name":"Types of Storm Damage and How Insurance Handles Them - American Elite","isPartOf":{"@id":"https:\/\/americanelite.com\/#website"},"datePublished":"2021-04-28T14:04:07+00:00","dateModified":"2021-04-28T14:04:07+00:00","breadcrumb":{"@id":"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/americanelite.com\/2021\/04\/types-of-storm-damage-and-how-insurance-handles-them\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/americanelite.com\/"},{"@type":"ListItem","position":2,"name":"Types of Storm Damage and How Insurance Handles Them"}]},{"@type":"WebSite","@id":"https:\/\/americanelite.com\/#website","url":"https:\/\/americanelite.com\/","name":"American Elite","description":"","publisher":{"@id":"https:\/\/americanelite.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/americanelite.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/americanelite.com\/#organization","name":"American Elite","url":"https:\/\/americanelite.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/americanelite.com\/#\/schema\/logo\/image\/","url":"https:\/\/americanelite.com\/wp-content\/uploads\/2021\/04\/5ecdde3f8fa288454e8f7f7a_logo.png","contentUrl":"https:\/\/americanelite.com\/wp-content\/uploads\/2021\/04\/5ecdde3f8fa288454e8f7f7a_logo.png","width":1232,"height":345,"caption":"American Elite"},"image":{"@id":"https:\/\/americanelite.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/americanelite.com\/#\/schema\/person\/7ff486ac7d98e49f324553dd4e51fbe1","name":"American Elite","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/americanelite.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/bf09c02f909a10d6ccd1fed724246baf?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/bf09c02f909a10d6ccd1fed724246baf?s=96&d=mm&r=g","caption":"American Elite"},"sameAs":["https:\/\/americanelite.com"],"url":"https:\/\/americanelite.com\/author\/brad\/"}]}},"_links":{"self":[{"href":"https:\/\/americanelite.com\/wp-json\/wp\/v2\/posts\/465"}],"collection":[{"href":"https:\/\/americanelite.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/americanelite.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/americanelite.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/americanelite.com\/wp-json\/wp\/v2\/comments?post=465"}],"version-history":[{"count":0,"href":"https:\/\/americanelite.com\/wp-json\/wp\/v2\/posts\/465\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/americanelite.com\/wp-json\/wp\/v2\/media\/466"}],"wp:attachment":[{"href":"https:\/\/americanelite.com\/wp-json\/wp\/v2\/media?parent=465"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/americanelite.com\/wp-json\/wp\/v2\/categories?post=465"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/americanelite.com\/wp-json\/wp\/v2\/tags?post=465"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}