Is Storm Damage Covered By My Homeowners Insurance?

As a homeowner, having a good homeowners insurance policy is extremely important.

When you’re faced with extreme weather, like the weather conditions you see during hurricane season, it’s important to know what damage is covered by your homeowners insurance.

Hint: Not all storm damage is covered by your insurance policy

hurricane storm damage to home

Types of Storm Damage Typically Covered By Homeowners Insurance

Water & Ice Damage

Excessive amounts of rainfall or hail the size of your fist can each do their fair share of damage to your home — mostly to the roof. Your home can experience roof leaks, broken shingles, damaged siding, etc.

Luckily, most policies cover damage against these forms of H2O. However, there is a limit to the amount of hail damage your home sustains (and flood damage does not count here).

Lightning Strikes

You have to be extremely unlucky to have your home struck by lightning! But this does happen and it can cause a lot of damage via the initial contact, fire, and smoke.

Most policies cover damage from the lightning strike, but when it comes to power surges — it is covered by some policies, but not all. You may wish to purchase additional coverage in order to protect your home’s electrical system and the expensive electronics and appliances plugged into it.

Wind & Debris

Think about how fast the wind can blow when a hurricane is passing through your town (even if it is the ending of a storm). The wind can be strong enough to rip off older or damaged shingles and siding, while also being able to send debris flying into the siding of your home.

One of the most common causes of debris damage is due to tree branches and fallen trees. Luckily, many insurance policies do cover fallen trees — however, the tree had to have fallen due to the storm. If the tree needed maintenance before the storm and you were negligent in providing maintenance to it, you may not be covered.

Types of Storm Damage NOT Typically Covered By Homeowners Insurance

The types of storm damage listed below can be covered by insurance, however, you will need to purchase separate insurance policies.

  • Floods
  • Earthquakes
  • Tornadoes
  • Landslides/Mudslides

As a homeowner, it’s important to know how protected your home is, and what it is and is NOT protected from.

When your home’s roofing or siding is in need of repair due to storm damage, we’d be more than happy to help you out!

Why Summertime is When You Should Replace Your Home’s Siding

How is your summer going? Are you doing everything you want to be doing?

Relaxing, Vacationing. Spending time with your family and friends.

While doing all of these things is something we encourage, we also recommend you spend a small portion of your time providing your home with some much-needed maintenance.

One thing you should be inspecting and maintaining is your home’s siding — and if anything is wrong, summer is the perfect time to repair or replace it.

house siding in summer

The Warm Weather is Your Friend

The spring and summertime are when you should perform inspections of your siding to ensure it’s still in good condition. Why? Because it’s not freezing or snowing outside! (…and you can stay outside for longer than five minutes.)

This will allow you to go outside and give your siding an in-depth visual inspection, while also taking the time to look behind any damaged areas to ensure the layer underneath is in good condition.

This is also the time of the year when roofing and siding companies will be offering their services, as well as offering the best deals. So if you need siding help, NOW is the time to call!

Your Cooling Bills Are Out of Control

Did your jaw hit the floor when you opened your last energy bill?

If your energy bill is through the roof because of your cooling system, that means there’s warm air entering your home, which is causing your cooling system to work harder and longer to try and keep your home cool.

Homeowners with old (or damaged) siding and insulation can experience these high energy bills. Think of it as having one gigantic air leak that needs to be fixed.

The Siding is Warped or Rotted

Siding takes a lot of abuse from Mother Nature. Long, harsh winters of snow and freezing temperatures followed by hot and humid summers underneath the blazing hot sun.

These extreme temperatures and weather conditions can have a negative effect on your siding — especially if your siding is old, damaged, or neglected without the proper maintenance. Check for warping of the actual siding material and rotting of the layer underneath the siding (or the actual siding if you have a wood siding material).

If your siding is beginning to show signs of warping, repairs or replacements should be made immediately to prevent further damage. If there are signs of rotting underneath, you’re definitely due for a full siding replacement.

It’s summertime and you’re feeling fine — but how is your siding doing?

If it’s struggling to do its job of protecting and insulating your home, then it’s out with the old and in with the new!

Make sure you check your siding’s condition this summer and if you need any repairs or replacement, know that we’re simply a phone call away!

Why is My Property Filled With Mosquitoes?

Do you frequently wake up with new mosquito bites during the summertime?

This isn’t always because of dumb luck. You probably have a lot of mosquito bites because you’re close to a mosquito breeding ground.

How do you know when an area is a mosquito breeding ground?

You have to know what attracts mosquitoes to a specific area…

mosquito and its summertime breeding ground

What Attracts Mosquitoes?

The number one thing mosquitoes need in order to breed (and thrive) is standing water.

Mosquitoes will lay their eggs in the water (or close by) and they will hatch in anywhere from a week to 10 days time. Mosquito larvae will continue to stay near this small water supply until they’ve reached adulthood.

Therefore, any items on your property that can hold water will attract mosquitoes and become a breeding ground. This includes untreated swimming pools, fountains, bird baths, kiddie pools, empty planters, tires, etc.

Anything that holds rainwater like this should be tipped over and emptied out.

In addition to these items holding water, they can also hold debris like dead leaves, dirt, trash, mulch, etc. This debris is what adult mosquitoes use as their shelter because it provides them with the shade and moisture they need.

Remove debris from your property, as well as cutting back overgrown vegetation.

How Your Gutters Attract Mosquitoes

You might be thinking that there’s no place on your property that is filled with debris and standing water — but have you thought about the condition of your gutter system?

Gutters that haven’t been cleared of debris, leaves, sticks, etc. can easily stop the flow of rainwater, which will lead to a pooling of water within your gutters. Now you have a breeding ground for mosquitoes attached to your home.

This is why you need to have your gutters cleaned annually (and sometimes two to three times per year).

If you’re a responsible homeowner and your gutters are free of leaves, make sure they have the proper slope leaning toward the downspouts. Gutters without enough slope toward the downspouts will cause rainwater to pool in the gutters even if there’s no debris blocking the way.

If you grab a ladder and climb up to discover standing water in your gutter system, contact your local roofing company ASAP. Not only will mosquitoes begin to breed here, you’ll also be more susceptible to roof leaks — which we all know are the WORST!

Put away the citronella candles and start addressing the problem!

When you need your gutters repaired or replaced, know that your friends at Landmark Exteriors can handle the job for you.

Just give us a call and we’ll head right on over to give your home the gutter system it deserves!

Why You Should Replace Your Gutters if You’re Getting a New Roof

Is your roof at the age (or isn’t in good enough condition) where it’s no longer protecting your home to the best of its ability?

When you contact your favorite, local roofing company, *cough, cough,* make sure you also have your gutter system replaced as well.

“Why?” you might ask.

Because you NEED to…

installing a new gutter system to your home

Reestablishing What Gutters Do

Every home has a gutter system installed (or at least we hope so). However, many homeowners don’t know how important this system is to the health of their home.

Yes, the gutter system is designed to direct rainfall from the roof to the ground below. But so many different things can go wrong that will prevent this “simple” task from happening.

Gutters and downspouts can become clogged with debris, disconnected at the seams, filled with cracks and holes, not routed properly, and not have enough slope. All of which will cause your gutter system to be ineffective — which will lead to a whole slew of problems…

How Unmaintained Gutters Hurt Your Home

When your gutter system is clogged with debris or does not have enough slope to drain the water toward the downspout, water will begin to pool. Once the gutter starts to overflow, it can submerge the edge of your roof.

Do you know what happens to your roof when its edges become submerged?

You’ve guessed it — roof leaks occur!

When your gutter system is filled with cracks and holes, isn’t routed properly, and is overflowing due to a clog or improper slope, the water will overflow onto the ground directly beneath the gutters.

You might think that this is a good thing because it’s away from your roof, but now you have an entirely new problem — flooding. This flooding can cause potential foundation damage and flooding of your property and basement.

Replacing Both at the Same Time

One of the smartest moves you can make as a homeowner is to replace your gutter system at the same time you replace your roof. Doing so can help you prevent dealing with roof leaks, flooding, and any other damage to your home.

The last thing you want is to invest in a brand new roof, only to have it immediately damaged by the next few rainfalls. This can bring the life expectancy of your roof from 15 plus years, all the way down to just a couple of years…

It really makes you rethink the importance of a functional gutter system.

When it’s time to replace your roof (and inevitably your gutter system as well), our professional installers here at Landmark Exteriors can do the job for you!

We welcome the opportunity to talk with you about your vision for your home, and how our experience can benefit your home!

What Causes a Cedar Roof to Warp?

Do you have a cedar roof protecting your home?

How’s it looking?

Do the cedar shingles look uneven, colorless, or covered in some type of moss?

If so, your roof is probably warped and in need of a treatment to help restore it. But what causes a cedar roof to warp like this?

cedar shakes can warp after 5 years if you're not careful

Why is My Cedar Roof Warping?

When a cedar roof is installed, you can expect to have one of the best-looking and best-protecting roofs of any material.

However, after about five years, the natural preservatives on the cedar shakes can wear away — leaving the roof exposed to the harsh elements of Mother Nature.

When cedar becomes exposed like this, warping and rotting can begin to occur.

UV Ray Damage

Just like your skin, the roof of your home can become damaged by being exposed to ultraviolet rays from the sun. Unfortunately, there’s no way for your roof to cover up or go inside.

You might be thinking, “What about when the clouds are covering the sun?”

Ultraviolet rays can pierce through clouds, so they’re there even when the sun is hiding. This type of constant exposure will strip cedar roofs of their natural preservatives as time goes on — and unfortunately, there’s no way to stop this from happening.

Excessive Moisture Infiltration

As time goes on and your cedar roof beings to lose some of its natural preservatives, it will become susceptible to absorbing moisture from precipitation and highly humid days.

For those who experience roof damage (due to high-speed winds or debris hitting against the roof), the material can become further exposed to moisture and expedite the process of becoming warped and rotted.

Moss, Mold & Mildew

As a result of excessive moisture infiltration, either moss, mold, mildew, or a combination of the three can begin to grow on top of the cedar shakes (as well as underneath if there’s some roof damage).

The presence of moss, mold, or mildew is a sign that there’s an excessive moisture problem that needs to be addressed. As long as the growth continues to exist (because it needs moisture to survive), the more your cedar roof will warp and rot.

Homeowners with cedar roofs need to have them treated every five years. This is the magic number to help keep your roof from becoming damaged by the elements while also keeping it looking its best!

If your cedar roof is in need of a treatment process, our Cedar-Life division is designed to provide the best in business!

Why is My Roof Leaking?

When the roof over your head isn’t provided with regular maintenance, roof leaks can occur.

You might notice brown spots on your walls or ceilings inside of your home — these are usually a warning sign that there’s a roof leak in need of attention (unless your plumbing has sprung a leak).

Unfortunately, there are a few reasons why your roof is leaking…

a damaged roof will lead to roof leaks

Your Gutters Are a Mess

When you ignore critical gutter maintenance, such as clearing out debris and ensuring there’s enough slope positioned toward the downspout, you should expect to see some roof leaks sooner rather than later.

Why?

When rainwater falls from the roof to the gutters, gutter debris and improper slope will trap this water, causing it to pool over onto the eaves and edges of your roof. Think of this as a mini-flood at the edge of your roof — eventually, a leak will form.

You Have Shingles Missing

How often do you actually take the time to go outside, walk around your property, and inspect your roof from all sides?

(Probably not as often as you should…)

This is an important piece of maintenance that should be done at least once per season AND after harsh rain and snow storms. High-speed winds and heavy precipitation can cause shingles to rip off — as well as others to curl or crack over time, thus, breaking off.

Missing shingles should be replaced as soon as you notice they’re gone, otherwise, a roof leak can occur as soon as the very next rainfall.

Your Roof is Old

A homeowner that provides their roof with all of the proper maintenance throughout the years can still experience roof leaks if the roof is old and at the end of its useful life.

For many homeowners, they will purchase a home and keep the current roof because it most likely has some useful years left — especially if repairs are made right off the bat.

However, all roofing materials have their own specific lifespan and when your roof (made up of that material) reaches that age, a replacement will be necessary. Allowing your home to sport a roof passed its useful life is like playing with fire when it comes to impending roof leaks.

Roof leaks just don’t worsen the current condition of your roof — they can also cause damage to the structure, walls, and ceilings of the interior of your home.

When your home is in need of roof inspections, roof repairs, or complete roof replacements, our pro roofers at Landmark Exteriors will do everything to ensure your home is well-protected!

What New Homeowners Should Know About Their Roof

Moving into a new home is one of the more exciting times in a person’s life — especially when it’s for the very first time!

(If this is your first home, then congratulations!)

After you’ve taken the time to unpack and settle in, there’s a long list of “To-Do’s” that you’ll need to address.

At the top of the list — addressing the roof and any possible concerns with its ability to protect your home.

what to do when you buy a new home

Have the Roof Inspected Annually

Technically, this is something you should do before you purchase a new home, as buying a new home with a roof that needs replacement can significantly increase the amount you’ll spend right off the bat.

However, making it a point to have an annual inspection of your roof by a professional roofer is important.

You will be able to identify any possible trouble areas and have them repaired before they worsen, thus, lengthening the lifespan of your roof.

Your Gutters Are a Part of Your Roof System

When you think of your roof, do you think about your gutter system? If you don’t, then you need to start!

The point of a gutter system is to redirect rainwater from the roof to the ground below in a way that won’t cause pooling, flooding, or property damage.

  • Gutters with holes, gaps, and cracks will leak and cause water to pool on the ground, close to the house, resulting in possible foundation damage and erosion. This can cause serious problems for you down the road.
  • Gutters filled with debris (or an improper slope) will prevent rainwater from draining toward the downspout. This water can pool until it begins to overflow onto the edges of the roof. This is where roof leaks, water damage, and rot can begin to take place.

With all of the damage your home can sustain without the proper gutter system, you’ll never ignore your gutters ever again!

Keep a Number Handy

Problems with your roof can arise at a moment’s notice.

From storm damage (due to high-speed winds, flying debris, and trees falling) to an intense accumulation of rain/snow-fall to old age — roof problems will make themselves known when you least expect them (especially if you’ve been slacking on maintenance and inspections).

Make sure you keep your local roofer’s number in your contact list for when something does go wrong.

For those in the local Connecticut area that need a reliable roofer to count on, we’d be happy to fill those shoes for you!

Does Your Home Need Roof Ventilation?

When it comes to maintaining a home, many homeowners never consider the importance of roof ventilation.

However, this seemingly small problem can lead to bigger ones if they are not taken care. In fact, there are several ways that we can tell if a client needs roof ventilation. Here are 4 things people should keep in mind. 

Excessive Amounts of Heat

If a client needs roof ventilation, one of the first things we tend to notice is that there is an excessive amount of heat present in the home. Without the proper ventilation, heat from the sun cannot escape the house. Instead, its pushed down low into the house. And this tends to make the air conditioner work much harder.

Attic Leaks

We also check the attic to find out if there are any signs of leaks after a storm or rain. We may also notice leaks when there has been snowfall. This usually takes place when the flashing is deteriorated or if the homeowner does not have enough shingle underlayments.

Stains on Walls and Ceilings

If roof ventilation is needed, we will be able to tell by the state of our clients’ walls and ceilings. We will often notice stains or even a little mold growing inside the home. This is often the result of defective or poor underlayments which are allowing water to seep into the house. Poor roof ventilation can lead to this problem. All of the excessive moisture results in mildew and mold and bacteria tend to love these types of conditions.

Rust

Another thing our company checks for is signs of rust. When there is moisture present, it can cause the metal components of the roof, such its nails, to rust and sometimes break. This often leads to the home losing its shingles. An additional devastating effect is that it causes plumbing and venting duct straps to starting rusting and eventually breaking completely.

Conclusion

The truth is, there are a large number of ways that we go about expecting our clients’ homes when we want to ensure that their ventilation is in good condition. In fact, it is highly recommended that clients have their roofs checked while we are administering our other roofing, gutter, and siding repair services. Being proactive can definitely save a lot of money in the long run.

Fast Fixes that Add Home Value

Home improvements are great to increase the overall value of your home.

Generally, home improvements may seem daunting and not something that you want to tackle but with the right company, you can have a successful home improvement that helps you to increase the value of your home, help to save you money and make your home look great. There are many fast fixes out there that can help you to increase your home’s value.

Improvements to Increase Value

Here are a few of the things that you can do to improve the value of your home.

  • Roof. You roof over the years can see a lot of wear and tear. Replacing your roof might seem like a lot but the fact is that if you have a new roof your home value goes up and your home looks a lot better too. A roof replacement can give your home a fresh look and feel. A new roof can also help to save on energy costs. Getting a new roof can also prevent costly repairs that may happen if your roof becomes too old.
  • Gutters. Gutters are a fantastic addition to any home. If you already have gutters, consider upgrading them to new. New gutters are very functional and give your home appeal. Gutters are relatively inexpensive to put in and can be done quickly.
  • Siding. Consider upgrading your siding on your home. Old siding can give a dirty look to your home and can even harbor mold and other bacteria. Siding may also get holes in it and other damage. This could lead to the interior of your home being damaged. Replacing your siding will allow you to have a fresh new look to your home. Siding now comes in assorted colors and designs, so you can express yourself while increasing your home’s value.
  • Fencing. If you do not already have fencing, consider adding some. This can be fencing in your backyard or even just adding a decorative fence somewhere around your house.
  • Snow Guard. Adding snow guard installation can help to save your home from damage when it snows. This is a great added value to your home.

Each of these fixes will help to increase your home greatly. It will also help to increase the safety and functionality of your home. Consider adding these fixes today and see how quickly the value of your home increases. For roofing, gutters, siding and more, call Landmark Exteriors today!

The Benefits of Siding

Benefits of siding and taking care of it

One unsung hero of home structure is the siding. Siding is very resistant to different types of weather. Wind, rain, and other environmental elements can affect the appearance and functionality of a house. Siding helps keep a house in high-quality condition. It also provides a very unique look that other homes may not have.

Siding also does not need to be painted or stained, which could help homeowners conserve time, energy, and money.

The damage-resistant quality of siding also helps homeowners conserve money by reducing the amount of repairs that may need to be done on a house. Siding is very durable and very versatile.

It is available in a variety of colors and textures. It does not require a lot of maintenance over time. Most likely, it will get dirty or stained. It’s very easy to manually clean. Siding is attached to a house loosely. It does not fit tightly onto structure. This allows it to expand and contract with the change of the weather.

Another benefit of siding is its impact on energy costs. Siding helps prevent a house from losing heat. Which means in winter, it’s a big help by keeping in the heat. The same goes for the warmer seasons, it keeps in the cooler temperatures in your home.

If you have any questions regarding siding, which styles to choose, curious about the costs, need a quote on installation or repair?

Call us today.

(203) 838-3838