Back in October 2010 Arizona suffered one of those rare storms. We get storms, mind you. The rain that pours down so hard the streets are flooded and homeowners are hoping the water does not reach the front of back doors. But the storm five years ago was so significant in the damage it did. Between the rain, wind and golf ball sized hail, thousands of Arizona homeowners applied to the insurance company for a new roof or roof repairs.
I recall a dozen or so roofing companies stopping by my residence and offering to file a claim on my behalf. One even made his way up to my roof and claimed to spot a significant number of dings in my roof that he said compromised it. I declined to file a report or claim. For starters, I did not believe my roof had been significantly damaged. Secondly, I would have felt dishonest filing a claim for benefits I did not feel entitled….though it was mildly tempting.
With all that in mind, it might surprise you to know that six states account for 75% of at-risk homes, meaning potentially at risk for storm damages. These states are Florida (for obvious reasons), Louisiana, New York, New Jersey, Texas and Virginia.
All of these states have coastlines but what makes New York different is the amount of homes and property that have in a small area. Compared to the other states on this list, their coast line is much smaller.
To help protect yourself against the risk of a storm claim, it is advisable to have your roof inspected periodically. One item many homeowners forget to re-check over time is the grout or tar around a fireplace and roof vents. Especially in Arizona those get dry and crack.
When I originally bought the house I live in today it did not occur to me to check the tar and grout around areas like my fireplace. Sure enough, one summer storm and we had water trickling down into the living room. Now, every couple years I go back up and slap some fresh tar around it.
Before you paint your house go around with a tube of caulking and fill in any cracks. This helps keep your home a little better insulated.
One more item. Homes with air conditioners on the roof will have a condensation pipe that drips during the heat of the summer. Buckets of water every day will come out of it. If that water is dripping near your foundation you need to re-route it away. Over years that water is enough to fill a small swimming pool. Imagine what that can do to your foundation. We had gutters installed and now the water drips into my gutter. Attached to the gutter exit is a tube directing the water away from the house.