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.

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.

The Boise Homeowner’s Guide to a Lasting Residential Roof

Protecting Your Treasure Valley Home: An Introduction to Residential Roofing

Your home is your most significant investment, and its first line of defense against the elements is the roof. In Boise, where we experience four distinct seasons—from hot, sunny summers to winters with significant snowfall—the integrity of your residential roofing is paramount. A durable, well-maintained roof not only protects your property and family but also enhances curb appeal and contributes to your home’s energy efficiency. Understanding the unique challenges our local climate presents and knowing how to care for your roof are key to ensuring it lasts for decades. This guide provides Boise, Meridian, and Eagle homeowners with the essential knowledge for maintaining a strong, reliable roof over their heads.

Understanding Your Roof’s Enemies in Idaho

The Treasure Valley’s climate can be tough on roofing materials. Being aware of the primary culprits of roof degradation can help you spot issues early and take preventative action.

Sun & Heat Damage

Boise’s hot, dry summers and intense UV exposure can cause roofing materials, especially asphalt shingles, to dry out, crack, and lose their protective granules. This thermal cycling of expansion and contraction day after day can accelerate wear and tear.

Wind, Rain & Hail

Sudden storms are a common occurrence, bringing high winds that can lift and tear shingles, and hail that can cause dents, cracks, and significant granule loss. This type of wind and hail damage can create immediate vulnerabilities for water intrusion.

Snow & Ice Damage

Winter brings heavy snow loads that can stress your roof’s structure. Worse yet are ice dams—ridges of ice that form at the roof’s edge, preventing melting snow from draining properly. This trapped water can seep under shingles, causing leaks and damaging your attic, insulation, and ceilings.

Choosing the Right Roofing Materials for Your Boise Home

Selecting the right material is a critical decision that balances cost, longevity, and aesthetic appeal. Given Idaho’s climate, durability is key.

Asphalt Shingles

The most popular choice in the U.S. for a reason, asphalt shingles offer a great balance of affordability, style variety, and reliable performance. Modern architectural shingles are designed to withstand high winds and resist algae growth, making them a solid choice for Boise-area homes.

Metal Roofing

Known for exceptional durability and longevity, metal roofs are an excellent investment. They are highly resistant to fire, wind, and impact. They also shed snow easily, reducing the risk of heavy snow loads and ice dams, and can improve energy efficiency by reflecting summer heat.

Composite and Tile Roofing

Composite shingles offer enhanced durability and can mimic the look of slate or wood shake. Clay and concrete tiles provide superior longevity and fire resistance but are heavier and require a reinforced roof structure. Both are premium options that can significantly elevate your home’s appearance.

Roofing Material Comparison
Material	Typical Lifespan	Pros	Cons
Asphalt Shingles	20-30 years	Affordable, versatile styles, easy to install/repair.	Vulnerable to hail and high winds, shorter lifespan.
Metal Roofing	40-70+ years	Durable, energy-efficient, great in snow, fire resistant.	Higher initial cost, can be noisy without insulation.
Composite Shingles	30-50 years	Highly durable, impact resistant, mimics premium looks.	More expensive than standard asphalt.

A Homeowner’s Checklist for Spotting Roof Damage

Regularly checking for signs of wear and tear can save you from costly repairs down the line. While a professional inspection is always best, here’s what you can look for from the safety of the ground. Remember, never get on a potentially damaged roof yourself.

1. A View from the Ground

Walk around your property and look for cracked, curled, or missing shingles. Pay close attention after a major storm. Also, check for dents on gutters, downspouts, and roof vents, as this can be a sign of hail damage.

2. Check Your Gutters

An excessive amount of shingle granules (they look like coarse black sand) in your gutters is a sign that your shingles are aging and losing their protective layer. This exposes them to UV ray damage and accelerates deterioration.

3. Look for Leaks Inside

Inside your home, check the attic and ceilings for water stains, discoloration, or musty smells. These are clear indicators that water is getting through. A professional roof repair in Boise is needed immediately to prevent further interior damage.

Did You Know?

Most roofing warranties require periodic professional inspections to remain valid. Neglecting maintenance could void your coverage when you need it most. Scheduling a complimentary inspection with a trusted contractor like Team Construction not only extends your roof’s life but also protects your investment.

The Importance of a Local, Professional Team

From Boise to Meridian and Eagle, local expertise matters. A contractor familiar with Treasure Valley weather patterns and building codes is better equipped to recommend the right materials and provide a quality installation. At Team Construction, we not only perform expert roofing installations and repairs but also specialize in navigating the complexities of roof insurance claims. After a storm, we can provide a thorough inspection and documentation to help ensure your claim process is as smooth as possible.

Ready to Secure Your Home’s Roof?

Whether you’ve noticed signs of damage or it’s simply time for an inspection, don’t wait for a small problem to become a major headache. The experienced team at Team Construction is here to help.

Get Your Free Estimate Today

Frequently Asked Questions (FAQ)

How often should I have my roof inspected in Boise?

It’s recommended to have a professional inspection at least once every one to two years, and always after a major storm involving high winds or hail. This helps catch minor issues before they become costly problems.

Can you help with my roof insurance claim?

Absolutely. Team Construction specializes in insurance restoration. We provide detailed inspections and documentation to support your claim and can work with your insurance adjuster to ensure all damage is properly assessed and covered.

What are the warning signs that I need a new roof?

Key signs include widespread granule loss, numerous cracked or curling shingles, recurring leaks in multiple spots, and the roof’s age (most asphalt shingle roofs last 20-25 years). If you see these signs, it’s time for a professional assessment.

How long does a typical roof replacement take?

For an average-sized home, a full roof replacement by a professional crew typically takes 1 to 3 days, depending on the weather and the complexity of the roof.

Glossary of Roofing Terms

Flashing

Thin pieces of metal installed at joints and angles (like around chimneys or vents) to prevent water from seeping in. Damaged flashing is a common source of leaks.

Underlayment

A layer of water-resistant material installed on the roof deck before the shingles. It acts as a secondary barrier against moisture.

Granules

The ceramic-coated mineral pellets on the surface of asphalt shingles. They protect the shingle from UV rays and add color. Significant loss indicates the shingle is nearing the end of its life.

Ice Dam

A ridge of ice that forms along the edge of a roof, preventing melting snow from draining. This can force water under the roofing material and cause significant damage to ceilings, walls, and insulation.