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Hurricane Film questions, answered by experts

Homeowners insurance covers some damage caused by ice dams, but it depends on the type of damage. Insurance policies will often cover things like interior water damage, roof collapse, and actual shingle damage resulting from ice formation, but it depends on your policy. Check your coverage information or contact your insurer to find out what your plan covers. Keep in mind that any damage caused by implementing a DIY solution to remove ice dams likely won’t be covered.

Your insurance premium may increase if you file a roof claim or any other type of claim. Changes to your premium will depend on your insurance company, the size of the claim, and the number of claims you’ve made. Insurers may also increase rates at renewal based on factors outside of your control, such as changing weather patterns.

The average cost to repair hail damage to a home is around $1,100, but you could pay anywhere from $250 to $3,000 or more, depending on the extent of the necessary repairs. If a hail damage repair company determines your roof is too old or too damaged to be worth repairing, then you might pay an average of $9,200 to replace your roof. Excessive hail damage may be covered by your homeowner’s insurance policy or a home warranty, so check those policies before paying out of pocket for roof repair or replacement.

The best way to determine whether you should replace your roof after a hailstorm is to contact a roofing company for a professional evaluation. These pros have the skills and experience to inspect your roof and spot even hidden damage. After considering the amount of damage, your roofing contractor can advise you as to whether a new roof is in order.

Solar panels that haven’t been properly inspected and maintained pose several risks to homeowners. Firstly, a dirty, obstructed, or malfunctioning solar panel won’t be able to generate as much power, which could lead to power shortages and wasted money. But more importantly, neglected solar panel arrays can become dangerous if left for too long. Corroded wires and exposed circuitry are fire hazards, so it’s strongly recommended to keep up with regular maintenance to protect your home.

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