Your Guide to Choosing a Boise Roofing Contractor After a Storm

Protecting Your Property When Weather Hits Hard

Boise and the Treasure Valley are no strangers to severe weather. From intense thunderstorms with high winds and hail to heavy winter snow, your roof is the first line of defense for your home or business. When a storm passes, the damage left behind isn’t always obvious from the ground. Identifying this damage quickly and hiring a reliable Boise roofing contractor is crucial to protecting your investment and preventing minor issues from becoming major problems. This guide will walk you through identifying storm damage, what steps to take, and how to select the right local team for your repair or replacement needs.

Identifying Common Signs of Roof Storm Damage

After a storm, it’s important to assess your property safely. While you should never get on a potentially compromised roof, you can spot many warning signs from the ground.

Wind Damage

High winds can lift, curl, or completely remove shingles, leaving the underlayment exposed. Look for missing shingles in your yard or visible patches on your roof. Flashing around chimneys and vents can also be bent or torn away.

Hail Damage

Hail can leave dents or pockmarks on shingles, gutters, and roof vents. You might also notice a loss of granules—the sandpaper-like material on asphalt shingles—which collect in your downspouts. This granule loss shortens the lifespan of your roof.

Water Intrusion & Debris

Inside your home, check the attic and ceilings for water stains or active leaks, a clear sign your roof’s integrity has been compromised. Outside, large branches or other debris on the roof can cause structural damage and should be addressed by a professional.

If you suspect any wind and hail damage, it’s essential to call for a professional inspection.

What to Do After the Storm: A Step-by-Step Guide

1. Prioritize Safety

Never climb onto a wet or potentially damaged roof. The structure could be unstable. Conduct your initial inspection from the ground with binoculars if necessary.

2. Document Everything

Take clear photos and videos of all visible damage from multiple angles. Note the date and time of the storm. This documentation is crucial when you file your roof insurance claim.

3. Call a Professional for an Inspection

Contact a trusted, local roofing contractor like Team Construction. We can perform a thorough and safe inspection to assess the full extent of the damage—including issues you can’t see from the ground—and provide a detailed report and estimate for the necessary roof repair.

4. Contact Your Insurance Company

With a professional assessment in hand, you can confidently report the damage to your insurance provider. An experienced contractor can often help you navigate the claims process, ensuring all damage is properly documented and accounted for. While a roofer can advocate for you, remember that only the insurance adjuster can officially approve your claim.

Choosing the Right Boise Roofing Contractor

Your choice of contractor is critical. Look for a company with a strong local presence and a reputation for quality.

What to Look For	Why It Matters
Licensed & Insured	Ensures the contractor meets state requirements and protects you from liability for accidents on your property.
Local Experience	A local company understands Boise’s building codes and climate challenges, from heavy snow loads to high winds. They have an established reputation in communities like Meridian and Eagle.
Strong Reviews & References	Check online reviews and ask for references from recent projects. This provides insight into their workmanship and customer service.
Direct Insurance Claim Assistance	A contractor experienced in insurance restoration can streamline the claims process, helping you get fair compensation without the headache.
Clear, Written Estimates	A professional provides a detailed, written breakdown of costs, materials, and project timeline. Avoid contractors who pressure you to sign contracts on the spot.

Did You Know?

Winds as low as 45 mph can begin to lift and damage asphalt shingles, especially on older roofs. In the Treasure Valley, thunderstorm gusts can easily exceed this speed, making post-storm inspections a wise precaution for any property owner.

The Local Angle: Protecting Boise & Treasure Valley Properties

As a locally owned and operated business, Team Construction understands the unique challenges that Boise’s climate presents for both residential roofing and commercial roofing. We’ve helped thousands of property owners across the Treasure Valley recover from storm damage. We are committed to using quality materials and providing workmanship backed by lifetime warranties, ensuring your new roof is built to last. Our team lives and works here, so our reputation is built on the trust of our neighbors.

Don’t Wait for a Leak to Become a Catastrophe

Suspect storm damage? Let our experts provide a complimentary inspection.

Get Your Free Estimate

Frequently Asked Questions (FAQ)

How long do I have to file a roof damage claim after a storm?

Most insurance policies require you to file a claim promptly after the damage occurs. While timelines can vary, waiting too long can result in a denied claim. It’s best to act within a few days or weeks of the storm.

Will my insurance premiums go up if I file a claim for storm damage?

Filing a claim for storm damage, which is considered an “Act of God,” generally does not cause an individual’s premium to increase. However, if an entire area is hit by a major storm, insurers may raise rates for everyone in that region regardless of who filed a claim.

What happens if my insurance claim is denied?

If your claim is denied, don’t give up. You can ask your insurance company to send a different adjuster for a second opinion. A reputable roofing contractor can provide detailed evidence of the damage to help you appeal the decision.

Should I get multiple quotes for a roof repair?

When insurance is covering the cost, the price is often determined by the adjuster’s estimate, so seeking the lowest bid isn’t the primary goal. Your focus should be on choosing a certified, reputable contractor you trust to do the work correctly and advocate for all necessary repairs to be covered.

Can a roofing contractor waive my deductible?

No. A contractor offering to waive or cover your insurance deductible is committing insurance fraud. Homeowners are legally responsible for paying their deductible. Be wary of any contractor who makes this offer.

A Property Manager’s Guide to Commercial Roofing in Nampa, ID

Protecting Your Greatest Asset Against the Treasure Valley Elements

For commercial property managers in Nampa, Idaho, the roof over your building is more than just a shield from the weather. It’s a critical component of your asset’s value, protecting your tenants, inventory, and operational continuity. A well-maintained roof ensures tenant satisfaction and prevents costly disruptions, making proactive roof management a cornerstone of smart property ownership. Neglecting your roof can lead to interior damage, energy loss, and unexpected capital expenditures that impact your bottom line.

Understanding Nampa’s Unique Roofing Challenges

The Treasure Valley’s four-season climate presents a unique set of challenges for commercial roofing systems. Property managers in Nampa must contend with a variety of weather conditions that can take a toll on roofing materials over time. Being aware of these local factors is the first step in creating an effective maintenance and replacement strategy.

Intense Sun & UV Exposure

Idaho’s sunny days can be relentless. Prolonged UV radiation can cause roofing membranes to become brittle, crack, and lose their flexibility. This photodegradation weakens the roof’s defenses, making it more susceptible to other forms of damage.

Wind & Hail Storms

Sudden, severe storms are a reality in our region. High winds can lift roofing materials, damage flashing around vents and HVAC units, and turn small debris into damaging projectiles. Hail can cause significant denting on metal roofs and puncture or bruise single-ply membranes. After a major storm, it’s crucial to check for wind and hail damage to prevent hidden leaks.

Snow Load & Ice Damming

Winter brings heavy snowfall, and the weight can stress your building’s structure. More insidiously, a cycle of melting and refreezing can lead to ice dams along the roof’s edge, forcing water underneath roofing materials and causing leaks that damage insulation, decking, and interiors.

Comparing Popular Commercial Roofing Systems

Choosing the right material is vital for long-term performance. The best choice for your Nampa property depends on your building’s structure, budget, and specific needs. As experts in commercial roofing in Idaho, we frequently work with these high-performance systems.

Material	Best For	Key Advantages
TPO (Thermoplastic Olefin)	Energy Efficiency & Durability	Highly reflective white surface lowers cooling costs. Heat-welded seams create a strong, monolithic membrane. Puncture and tear-resistant.
PVC (Polyvinyl Chloride)	Restaurants & Industrial Facilities	Excellent resistance to chemicals, grease, and fire. Durable and long-lasting with strong, welded seams. Also available in reflective colors.
EPDM (Ethylene Propylene Diene Monomer)	Cost-Effectiveness & Longevity	Proven track record of over 50 years. Highly durable rubber membrane that resists UV rays and extreme temperatures. Easy to repair.
Metal Roofing	Longevity & Aesthetic Appeal	Exceptional lifespan (50+ years). Superior resistance to fire, wind, and impact. Can be coated for enhanced energy efficiency. Boosts property value.

Did You Know?

A proactive roof maintenance program can save property owners up to 50% over the life of a 30-year-old roof. Regular inspections and minor repairs prevent small issues from becoming catastrophic failures that require a full, premature replacement.

Repair vs. Replacement: Making the Right Decision

One of the biggest questions a property manager faces is whether to invest in extensive repairs or a full roof replacement. The answer depends on several factors. A professional roof inspection is the only way to get a definitive recommendation, but here are key considerations.

When to Consider a Repair:

The roof is relatively young (less than 10-15 years old).
Damage is isolated to a small area (less than 25% of the total roof surface).
The issues are minor, such as loose flashing or a few cracked seams.

When to Consider a Replacement:

The roof is nearing the end of its warrantied lifespan.
Widespread damage, extensive leaks, or saturated insulation is present.
Repair costs approach 50% or more of the cost of a new roof. A replacement offers a better long-term return on investment.

Your Local Partner in Commercial Construction

As a locally owned and operated contractor, Team Construction has a vested interest in the success of businesses here in Nampa and across the Treasure Valley. We aren’t just installers; we are partners in protecting your property. From Meridian roofing to projects in Eagle, we bring local knowledge and a commitment to quality workmanship. We also specialize in exterior upgrades like new siding installation and energy-efficient window replacements to further enhance your building’s value and curb appeal.

Protect Your Investment with a Professional Roof Inspection

Don’t wait for a small leak to become a major liability. Schedule a complimentary, no-obligation inspection for your commercial property in Nampa. Our experts will provide a detailed assessment and an honest recommendation tailored to your needs and budget.

Get Your Free Estimate

Frequently Asked Questions

How often should I have my commercial roof inspected in Nampa?

We recommend professional inspections at least twice a year—once in the spring after the snow has melted and once in the fall to prepare for winter. It’s also critical to schedule an inspection after any major weather event, like a hail or wind storm.

What are the common signs of commercial roof damage?

Look for water stains on interior ceilings or walls, visible bubbles or blisters on the roof surface, cracked or peeling sealant around vents, clogged drains, and loose roofing material. If you see any of these, it’s time to call for a professional roof repair assessment.

Can you help with insurance claims for storm damage?

Absolutely. We specialize in insurance restoration and can guide you through the entire process. Our team will document the damage, meet with your adjuster, and ensure all necessary repairs are covered. We make navigating roof insurance claims as straightforward as possible.

What kind of warranty do you offer?

We stand by our work with quality workmanship and lifetime warranties on many of our products and services. We can discuss the specific warranty details for your project during our initial consultation.

Glossary of Commercial Roofing Terms

Membrane: The primary waterproofing layer of a roof system, such as TPO, PVC, or EPDM.

Flashing: Pieces of metal or other material used to prevent water from seeping into joints, such as where a roof meets a wall or a chimney.

Substrate: The surface upon which the roofing material is applied. Also known as the roof deck.

Heat Welding: A process using hot air to fuse seams of thermoplastic membranes (like TPO and PVC) together, creating a strong, continuous, waterproof bond.

Ponding Water: Areas of standing water on a roof that remain for more than 48 hours after rainfall. It can indicate a drainage problem and accelerate roof degradation.

Navigating Roof Insurance Claims in Eagle, ID: A Homeowner’s Guide

Don’t Let Storm Damage Stress You Out. Understand Your Insurance Claim.

Here in Eagle and across the Treasure Valley, we’re no strangers to severe weather. A sudden hailstorm or a powerful windstorm can leave a trail of destruction, with your home’s roof often taking the biggest hit. Discovering that your roof is damaged is stressful enough, but the process of filing an insurance claim can feel overwhelming and confusing. Many homeowners aren’t sure where to start, what to say to their insurance company, or how to ensure they receive a fair settlement for the necessary repairs.

This guide is here to help. At Team Construction, we don’t just repair and replace roofs; we help our neighbors in Eagle navigate the complexities of the roof insurance claim process from start to finish. We believe an informed homeowner is an empowered one. Understanding the journey ahead can make all the difference, ensuring your property is restored correctly and your stress is kept to a minimum.

The 5-Step Roof Insurance Claim Process

Following a structured approach is the key to a successful claim. Here are the essential steps every Eagle homeowner should take after a storm.

Step 1: Prioritize Safety & Document Damage

After a major storm, your first priority is safety. Never climb onto a potentially damaged roof yourself; it can be incredibly dangerous. A slippery or structurally compromised roof is a serious hazard. From the ground, safely take photos and videos of any visible damage to your home’s exterior, including gutters, siding, and windows. Make a note of the date and time of the storm. This initial documentation is crucial.

Step 2: Get a Professional Roof Inspection

Before you even call your insurance agent, contact a trusted, local roofing contractor. A professional inspection provides an unbiased, detailed assessment of all damage—not just the obvious spots. At Team Construction, we offer complimentary inspections to assess for wind and hail damage. A professional report serves as a critical piece of evidence for your claim, ensuring nothing is overlooked.

Step 3: File Your Insurance Claim

With your professional inspection report in hand, it’s time to contact your insurance company to initiate the claim. Provide them with your policy number, the date of the loss, and a general description of the damage. Your contractor’s detailed report will be your most valuable tool during this conversation, helping you state the facts clearly and confidently.

Step 4: Meet the Insurance Adjuster

Your insurance company will send their own adjuster to inspect the property and assess the damage. It is highly recommended to have your roofing contractor present during this meeting. Your contractor can point out specific damages the adjuster might otherwise miss and ensure the assessment is thorough and fair. They speak the same technical language, ensuring that the scope of work accurately reflects what’s needed for a proper roof restoration.

Step 5: Understand the Settlement & Begin Repairs

Once your claim is approved, you’ll receive a settlement summary. This document will detail the scope of the approved repairs and break down the costs. You’ll likely see terms like “RCV,” “ACV,” and “Deductible.” It’s vital to understand these terms (see our glossary below) to know how your payout works. Once you have this clarity and provide your contractor with the first check, work can begin to restore your roof.

ACV vs. RCV: Understanding Your Payout

The type of coverage your policy has—Actual Cash Value (ACV) or Replacement Cost Value (RCV)—significantly impacts your out-of-pocket expenses. It’s one of the most important, and often misunderstood, aspects of a claim.

Feature	Actual Cash Value (ACV)	Replacement Cost Value (RCV)
Payout Basis	Pays for the depreciated value of your damaged roof. It subtracts value for age and wear.	Pays the full cost to replace your damaged roof with new materials of similar quality, without deducting for depreciation.
Out-of-Pocket Cost	You are responsible for your deductible PLUS the amount of depreciation. This often leads to higher costs for you.	You are typically only responsible for your deductible.
Example	If a new roof costs $15,000 and your old roof has depreciated by $5,000, an ACV policy pays $10,000 (minus your deductible).	If a new roof costs $15,000, an RCV policy covers the full $15,000 (minus your deductible).

Local Knowledge Matters: Storms in Eagle, ID

Working with a contractor who understands the specific weather challenges in Eagle and the Treasure Valley is essential. Our region sees its share of high winds and damaging hail, which can cause unique problems not always visible from the ground. A local expert from Eagle roofing contractors like Team Construction knows exactly what to look for and how to document it for Idaho-based insurance adjusters. We’re your neighbors, committed to protecting our community with quality residential and commercial roofing services.

Did You Know?

In Idaho, homeowners generally have five years from the date of the loss to file a lawsuit for a breach of contract if a claim is improperly handled, a generous period compared to other states.
Even small, quarter-sized hail can cause significant granule loss on asphalt shingles, which accelerates the roof’s aging process and can lead to future leaks.
The Idaho Department of Insurance warns consumers against contractors who offer to waive or absorb your insurance deductible, as this is a red flag for insurance fraud.

Need Help With Your Roof Insurance Claim in Eagle?

The insurance process can be tough, but you don’t have to go through it alone. Let the experienced team at Team Construction be your advocate. We provide complimentary, no-obligation inspections and will guide you every step of the way.

Schedule Your Free Inspection

Frequently Asked Questions (FAQ)

How long do I have to file a roof claim in Idaho?

While the statute of limitations for legal action is five years, insurance policies themselves often have much shorter deadlines for filing a claim, sometimes as little as one year from the date of the storm. It’s critical to act quickly and not delay the inspection and filing process.

Will my insurance premiums go up if I file a claim for storm damage?

It’s possible, but not guaranteed. Insurance companies view claims from natural disasters (or “acts of God”) differently than other claims. Factors like your personal claims history and whether you live in an area prone to severe weather can influence a rate increase. However, the cost of repairing significant roof damage out-of-pocket almost always outweighs any potential premium increase.

Do I need to get multiple estimates for my insurance company?

Generally, no. Your insurance company will create its own estimate via its adjuster. Your primary goal is to have one highly detailed, accurate estimate from a roofer you trust. This contractor will then work with the insurance adjuster to agree on the scope and cost of repairs, ensuring all damage is covered.

Can my roofing contractor waive my deductible?

No. Offering to waive, absorb, or cover a homeowner’s deductible is a form of insurance fraud and is illegal. Reputable contractors will never make this offer. Be wary of any company that does, as it often points to cutting corners on materials or labor to make up the cost, which can compromise the quality of your roof.

Glossary of Terms

Deductible: The fixed amount you must pay out of pocket on a claim before your insurance coverage begins. This amount is set in your policy.

Depreciation: The reduction in your roof’s value due to age, wear, and tear. This is a key factor in ACV policies.

Actual Cash Value (ACV): The value of your roof at the time of the loss. It is calculated as the replacement cost minus depreciation. An ACV payout will be lower than an RCV payout.

Replacement Cost Value (RCV): The total cost to repair or replace your damaged roof with new, comparable materials without subtracting for depreciation. This is generally the more comprehensive coverage option.

Insurance Adjuster: The professional sent by your insurance company to inspect the damage and determine the settlement amount for your claim.