Storm Damage Roofing FAQs
We're here to help you navigate the process after a storm. Our FAQ covers everything from free inspections and insurance claims to repair timelines and recovery.
Storm Damage Roofing FAQs
Our experts answer your most common questions about storm inspections, insurance claims, and restoring your home after severe weather.
How do I know if my roof has storm or hail damage?
Look for dents in gutters, cracked or missing shingles, and dark spots on your roof surface. Impact damage isn't always visible from the ground, which is why a professional inspection is critical after any major storm.
How fast can Nectar Roofing come out after a storm?
We prioritize emergency calls. Our restoration team typically arrives within 24-48 hours of your request to provide a comprehensive inspection and initiate emergency tarping if your roof is actively leaking.
Are your storm damage inspections really free?
Yes. Nectar Roofing provides complete, no-obligation storm damage assessments at no cost to you. We provide a detailed report of our findings that you can use when filing a claim with your insurance company.
Still Have Questions?
Service-Specific Roofing Questions
Hail vs. Wind Damage
How do you distinguish hail damage from normal wear?
Hail damage typically leaves distinctive circular bruising or fractures in the shingle mat, whereas normal wear shows gradual thinning or surface cracks over time. Our forensic inspections document specific storm-related impacts for your insurance claim.
Does wind damage always mean missing shingles?
Not necessarily. High winds can break the adhesive seal of shingles (unsealed shingles) or cause invisible stress fractures. While shingles may remain on the roof, their protective capacity is compromised, requiring professional repair or replacement.
Tarping & Replacement Decisions
When is emergency tarping required?
Tarping is essential if you have exposed decking, active interior leaks, or structural openings after a storm. Nectar Roofing provides (ERU) Emergency Response Unit tarping to mitigate further property damage while we coordinate the permanent repair with your insurance adjuster.
How do you decide between repair and full replacement?
We follow strict industry standards. If the cumulative area of hail bruising or wind loss exceeds a certain threshold (usually per slope), a full replacement is often functionally required and insurance-supported. We advocate for the best long-term safety of your home.
Still have questions about storm services?
Pricing & Insurance FAQs
Transparent answers about deductibles, ACV vs. RCV policies, and your Nectar Roofing restoration investment.
What is the difference between ACV and RCV policies?
Actual Cash Value (ACV) pays the depreciated value of your current roof—so the older the roof, the less money the insurance company pays. Replacement Cost Value (RCV) is based on the full cost to replace your roof with a brand-new version, minus your deductible. We always suggest checking your specific policy or consulting your agent for exact coverage details.
How does an ACV policy affect my out-of-pocket costs?
In an ACV policy, the insurance company subtracts depreciation before paying the claim. Since they pay less for an older roof, you may have a significantly higher out-of-pocket amount to achieve a full quality replacement. Please review your insurance policy regarding specific depreciation schedules.
How does an RCV policy work for storm damage?
For storm and hail damage, RCV claims often follow a simple two-check process. Initially, you receive an ACV payment. Then, once Nectar Roofing completes the work and the final invoice is submitted, your insurance company issues a second check for the 'recoverable depreciation.' This is always subject to your deductible and specific policy terms.
Can Nectar Roofing explain my ACV or RCV estimate?
Absolutely. Nectar Roofing helps homeowners navigate their paperwork by walking through line items and helping them coordinate with their adjuster if needed. We aim for complete transparency throughout your claim process. For exact legal or financial policy details, we always recommend consulting your insurance agent.
Warranty & Post-Storm Protection
What does the Nectar Lifetime Workmanship Warranty cover?
Need a Post-Storm Checkup?
If a major storm just passed through, reach out for a priority inspection to ensure your warranty-protected roof is still performing at its peak.
Nectar Roofing Storm Response Line: (555) 123-4567
Our workmanship warranty covers any issues related to the installation process. If a leak or structural fault occurs due to how we built your roof, we fix it at zero cost to you, for as long as you own the home.
Are material warranties separate from workmanship?
Yes. We use premium shingles from manufacturers like GAF and Owens Corning, which come with their own product-specific warranties (often 25-50 years). Nectar Roofing is a certified installer, ensuring these material warranties remain valid.
What happens if I find a leak after a storm?
Contact our emergency response line immediately at (855) 4-NECTAR. We prioritize our existing warranty holders for post-storm checkups and emergency tarping to prevent any interior water damage.
Is my warranty transferable if I sell my home?
Yes. Nectar Roofing warranties are transferable to the next homeowner, increasing your property's resale value by providing the next owner with documented peace of mind.