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Home / Insurance / Hurricane roof damage? How does a policyholder know? | Property Insurance Protection Law Blog

Hurricane roof damage? How does a policyholder know? | Property Insurance Protection Law Blog



Most people never get on the roof after a hurricane. For many, they are physically unable to do so, and it would be dangerous for them to attempt to climb up and inspect the roof for damage. Finally, even if a policyholder climbed up and inspected for roof damage, would they know what to look for?

I thought of this yesterday after I asked a customer if his roof had damage. His response went something like this:

Chip, the wind insurance adjuster came out to inspect the roof. I couldn’t get up there to look at it. The ceiling is 40 feet in the air. The adjuster didn’t look at it either because he only had a 20 foot ladder with him. I am a software developer. I have no idea what to look for.

So here̵

7;s the test for our readers – does the image in this blog show hurricane damage, and why?

I will give the answer tomorrow.

For most Collier County policyholders after Hurricane Ian, chances are you have some type of roof damage. The extreme wind speeds are begging for some type of damage, even if it’s subtle and often not within your expertise to determine. Inspection should not only be exterior but also the interior attic. Waiting for leaks to occur is not the way to tell if a roof has been damaged by Hurricane Ian.

Today’s thought

All you need in this life is ignorance and confidence, and then success is assured.
– Mark Twain


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