Winter storms can be brutal, leaving behind heavy snow, ice dams, and high winds that wreak havoc on your roof. For homeowners, the aftermath of a storm often brings a new challenge: navigating the insurance claims process. Roof damage can be expensive to repair, and insurance companies don’t always make it easy to get the compensation you need. That’s where Mag Mile Law steps in. Our attorneys specialize in roof damage insurance claims and are here to help you fight for what’s rightfully yours.

Winter Storm Roof Damage: What to Look For

After a storm, it’s important to inspect your roof for signs of damage. Common issues include:

• Ice Dams: These form when melting snow refreezes at the roof’s edge, causing water to back up under shingles and leak into your home.
• Heavy Snow: Excessive weight can lead to structural damage or even roof collapse.
• Wind Damage: High winds can tear off shingles, leaving your roof exposed to further damage.

If it’s safe to do so, inspect your roof or hire a professional to document the damage.

Does Homeowners Insurance Cover Roof Damage?

Most policies cover sudden and accidental damage caused by storms, including high winds and the weight of snow or ice. However, insurers may deny claims based on:

• Pre-existing Conditions: Damage that predates the storm may be excluded.
• Wear and Tear: Insurance often won’t cover damage attributed to an aging roof.
• Improper Maintenance: Claims may be denied if you didn’t address prior issues, like loose shingles or clogged gutters.

Steps to File a Roof Damage Claim

1. Document the Damage: Take clear photos and videos of all visible damage. Include interior leaks or water stains.
2. Mitigate Further Damage: Use tarps or temporary fixes to prevent additional harm to your property.
3. Hire a Roofing Professional: Get a professional assessment and an estimate for repairs to support your claim.
4. File Your Claim Promptly: Notify your insurer immediately and provide all necessary documentation.
5. Call Mag Mile Law: If your claim is denied or undervalued, we’re here to help you navigate the legal process and fight for fair compensation.

When Insurance Denies Your Claim

Insurance companies often deny roof damage claims by citing exclusions or downplaying the extent of the damage. Don’t accept less than you deserve. At Mag Mile Law, we’ve successfully helped homeowners recover what’s rightfully theirs, even in the face of bad faith insurance practices.