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Storm Damage in Kansas City: What to Do First After Your Home Gets Hit

Sat, 18 Apr 2026 02:05:35 GMT

Kansas City homeowners have been dealing with severe storm conditions

When severe storms hit back-to-back, it can leave homeowners feeling overwhelmed fast.

One minute you are watching the weather. Next, you are staring at shingles in the yard, siding on the ground, broken tree limbs, water where it should not be, and a long list of questions you were not prepared to answer.

If that is where you are right now, take a breath.

You do not have to figure everything out at once. You also do not have to climb on your roof, guess at the damage, or make rushed decisions. Start with safety. Then work through the damage one step at a time.

At Ranger Roofing & Exteriors , we help Kansas City homeowners after storms every day. If your home took a hit, we will come out for a free inspection and help you understand what happened, what needs attention first, and what steps make sense next. If insurance is involved, we help with the entire claim , not just the roof. That can include other storm-damaged items on your property too, even things like broken concrete statues.

First things first: focus on safety, not cleanup speed

After a storm, your first job is not to make everything look normal again. Your first job is to make sure everyone is safe.

Here is the best order to follow:

1. Check for immediate dangers

Before you worry about repairs, look for hazards:

Downed power lines
The smell of gas
Sparking electrical equipment
Active leaks near lights or outlets
Broken glass
Large hanging tree limbs
Sagging ceilings
Loose metal, gutters, or siding
Flooded areas around electrical components

If something looks dangerous, stay back and call the right emergency service or utility provider.

2. Protect people and pets

Keep children and pets away from damaged areas. Avoid sending anyone outside barefoot or into areas with debris, nails, shattered glass, or standing water.

3. Do a ground-level walk around

Walk your property carefully and slowly. You are not trying to diagnose everything perfectly. You are simply looking for visible signs of damage.

4. Take photos before moving too much

FEMA recommends taking photos and videos of the damage before discarding damaged items or starting major cleanup. Document both the outside and inside of the home if needed.

5. Handle temporary triage

If it is safe, do small temporary steps to prevent more damage:

Move valuables away from leaks
Put a bucket under dripping water
Cover broken windows from the inside if needed
Pick up loose debris in walkways
Keep water away from electronics

6. Call the right professionals

You do not need one person for everything. Storm damage often affects multiple parts of a property, and it helps to know who to call first.

The top 10 things that often get damaged after a storm

Here are some of the most common things homeowners should check after severe wind, hail, and heavy rain:

1. Roof shingles

Look for missing shingles, lifted shingles, torn tabs, exposed underlayment, granules in downspouts, or shingles scattered in the yard.

Who to call: Roofing contractor

2. Gutters and downspouts

Gutters can get bent, detached, clogged, crushed by limbs, or knocked loose by wind and impact.

Who to call: Roofing and gutter contractor

3. Siding

Vinyl, metal, wood, and composite siding can crack, loosen, dent, or pull away from the home.

Who to call: Siding or exterior contractor

4. Windows and screens

Hail, debris, and falling limbs can crack glass, damage trim, or tear screens.

Who to call: Window contractor or general exterior contractor

5. Fascia, soffit, and trim

These parts are often overlooked after storms, but wind and water can do serious damage around the roofline.

Who to call: Roofing or exterior contractor

6. Fences and gates

Strong winds and falling branches can break panels, pull posts loose, or cause leaning sections.

Who to call: Fence contractor or handyman, depending on severity

7. Decks, patios, and outdoor furniture

Flying debris, pooling water, and fallen limbs can damage railings, furniture, pergolas, and outdoor structures.

Who to call: Deck contractor, handyman, or landscaper, depending on damage

8. Trees and landscaping

Broken limbs, uprooted plants, damaged irrigation, and unstable trees are very common after severe weather.

Who to call: Arborist, tree service, or landscaper

9. Exterior HVAC equipment

Outdoor AC units can be dented by hail, blocked by debris, or impacted by falling branches.

Who to call: HVAC contractor

10. Decorative exterior items and hardscapes

This includes concrete statues, planters, lighting, mailboxes, pergolas, shutters, and other outdoor features. These items can absolutely be damaged in a storm, and depending on your policy, they may be covered in an insurance claim as well.

Who to call: It depends on the item, but document it and include it in the claim conversation

What should homeowners be looking for after a storm?

If you are not handy, that is okay. You do not need to know construction terms to spot warning signs.

Here are simple things to look for:

Pieces of roofing, metal, or siding in the yard
Dents on gutters, garage doors, or downspouts
Water stains on ceilings or walls
Dripping in the attic or around light fixtures
Cracked siding or trim
Loose flashing
Broken windows or torn screens
Fence sections leaning or missing
Tree limbs touching the roof
Debris buildup in valleys or gutters
Granules from shingles collecting near downspouts
Anything that looks new, out of place, or suddenly crooked

A good rule: if it looks off, document it .

What order should homeowners handle everything in?

Storm damage feels chaotic because it all shows up at once. The easiest way to manage it is by priority.

DO NOT FILE AN INSURANCE CLAIM BEFORE A PROFESSIONAL INSPECTS YOUR PROPERTY. When you file a claim, your insurance premiums could go up. So! Have a professional help you understand your situation and be certain that when you file it, it's for a good reason.

Priority 1: Safety hazards

Call emergency services, utilities, or specialists for:

Downed power lines
Gas smell
Major structural instability
Dangerous trees or hanging limbs
Active electrical hazards

Priority 2: Stop further damage

Address:

Roof openings
Active leaks
Broken windows
Loose gutters hanging off the house
Water intrusion

Priority 3: Document everything

Take photos of:

Every side of the home
Roof damage visible from the ground
Interior leaks
Damaged furniture or belongings
Landscaping and detached structures
Decorative items and hardscape damage

Priority 4: Get professional inspections

This is where Ranger Roofing & Exteriors can help. If your roof, siding, or gutters may have been damaged, we can inspect it at no cost and help you understand what is cosmetic, what is functional, and what should be part of your claim.

Priority 5: General cleanup

Once hazards are addressed and the damage is documented, then move into broader cleanup.

That can include:

Picking up branches and loose debris
Tarping or temporary protection
Clearing walkways
Sorting damaged items
Making a repair plan

Who should you call for different types of storm damage?

Here is a simple breakdown:

Call 911 or your utility company immediately for:

Downed power lines
Fire risk
Gas leaks
Emergency structural collapse

Call a tree service for:

Fallen limbs
Trees on structures
Dangerous hanging branches

Call a plumber for:

Sewer backups
Burst pipes
Water line damage

Call an HVAC company for:

Damaged outdoor units
System performance issues after storm impact

Call a roofing and exterior company like Ranger Roofing & Exteriors for:

Roof damage
Missing shingles
Hail impact
Siding damage
Gutter damage
Fascia and soffit damage
Help understanding storm-related exterior damage as a whole

A note about insurance claims

A lot of homeowners assume a roofing company only cares about the roof.

That is not how we approach it.

If we work with you, we help you through the entire claim , not just the roofing portion. Storm claims may include more than many homeowners realize, especially when wind or hail causes damage across different parts of the property. FEMA also advises homeowners to document structural and personal property damage thoroughly before discarding items.

That means if the storm damaged siding, gutters, screens, fencing, exterior fixtures, or even decorative property features, those items deserve attention too. We are here to help you see the full picture.

What not to do after a storm

To stay safe, avoid these common mistakes:

Do not climb on the roof
Do not touch downed lines
Do not rush to throw damaged items away before photographing them
Do not assume “small” damage is harmless
Do not let anyone pressure you into a fast decision
Do not sign anything before you understand what is being recommended

You do not have to figure this out alone

Storm damage is stressful, especially when you are not sure where to begin.

That is why our job is not to pressure you. Our job is to help you feel calm, informed, and taken care of .

If your home may have roof, siding, or gutter damage, Ranger Roofing & Exteriors will come inspect it for free . We will help you understand what you are seeing, what should be handled first, and what options you have. If you need help with an insurance claim, we will help you through the process and look at the full scope of storm damage, not just one piece of it.

When your home gets hit, you need a steady hand and honest guidance.

We are here to lend one.

Need help after the storm?

Book your free inspection with Ranger Roofing & Exteriors today.
No pressure. No obligation. Just real help when you need it most.

Should I Repair or Replace My Roof?

Thu, 19 Feb 2026 19:32:15 GMT

A Money-smart guide for homeowners who want roofing options- not pressure.

Dear Chris,

Help me decide! My roof is only about 12 years old, and it has some damage. Should I replace it or just repair what's needed?

-Troy, Gladstone, MO

Hey, Troy!

Great question. It can be hard with a roof that age to decide whether to repair or replace it. The bottom line is that you need to do what's best for your situation. While replacing the roof is a long-term solution, we understand that sometimes it's not feasible or what's best for your family. That's why we recommend getting a second opinion on roof estimates and checking whether your roof damage is covered by insurance. No matter what- we're here to help.

To help you understand more about the decision you're going to have to make, here's some helpful information to consider.

Should I Repair or Replace My Roof?

When your roof starts showing signs of wear, this big question hits fast, and so does the panic of "how much will a roof cost?"

At Ranger Roofing & Exteriors, we believe this decision should be based on several things: facts, budget, and your long-term goals. Not pressure from a contractor. This guide will walk you through how to approach the decision in a practical, money-saving way, so you feel confident and in control should the situation arise.

First, what is your roof actually telling you?

Before jumping to replacement, know that not all roof damage requires it. It's important to assess the situation objectively.

Here are the most common signs homeowners initially notice:

1. Missing or cracked shingles

2. Minor leaks or water spots on the ceilings

3. Roof granules in the gutters

4. Storm damage (hail or wind here in the KC Metro)

5. Sagging areas or structural concerns that you can see from the ground

Sometimes you'll find shingles on the ground, too. Not all damage means replacement, however. In many cases, a targeted repair can extend your roof's life for years. This is a major relief for many homeowners who have an endless list of home repair projects they need to prioritize.

When a Roof Repair Makes Financial Sense

Repair is often the most cost-effective choice when:

1. The Roof is Relatively Young

If your roof is under 10 years old and the damage is isolated, repair is a smart move- depending on the size of the damage.

2. The Damage is Localized

If one section of your roof was affected by wind, hail, or snow, it's usually repairable without replacing the entire system.

3. You're Planning to Move Soon

If you're planning to sell in the near future, a repair may protect your investment without overspending. We help a lot of sellers and buyers in the KC Market and have helped folks close on homes by offering alternatives to roof replacements that benefit both parties.

4. The Structure is Sound

If decking and ventilation are intact, roof repairs can buy more time.

Bottom Line:

If a repair safely restores your roof's performance, replacing it early may not be the money-saving decision.

When Roof Replacement Is the Better Investment

Sometimes replacement protects you from bigger expenses later.

Consider replacement when:

1. The Roof is Near the End of Its Lifespan

Homes in Kansas City typically use asphalt shingles, which last 20-30 years when properly maintained. If you're close to that mark, repairs may only delay the inevitable.

2. Leaks Are Recurring

Repeated repairs often cost more over time than a full replacement, and if repairs keep being needed, you likely have a larger issue at hand. It could be that you need to cut your trees back, or that, structurally, your current roof is missing key components that would make it last. We can tell right away with a visual inspection.

3. Storm Damage is Widespread

Extensive hail, wind, or snow damage across multiple slopes can compromise the whole system. Replacing the entire roof can be more time-efficient, which saves you more money.

4. You Want Long-Term Peace Of Mind

A new roof improves:
Home Value
Energy Efficiency
Insurance coverage
Curb Appeal

In some cases, insurance may cover replacement after storm damage. Our team has over a decade of inside experience in the residential insurance world. We know intimately what is covered and what's not, and can help you navigate the expected outcome should you choose to submit a claim. As a side note, be sure to get an expert's opinion before you submit a claim.

The Real Question: What Do YOU Want?

Here's something not every contractor will say:

There isn't one "right" answer for every homeowner.

Some clients want:

The lowest immediate cost

A short-term solution

Time to plan financially

Others want:

Long-term protection

Maximum warranty coverage

To avoid future surprises

A good roofing contractor should:

Explain both options clearly

Show photos and evidence of their work and their findings

Provide pricing for repair and replacement

Respect your budget

Support your financial decision

You should never feel pushed into a larger job.

Simple Decision Framework

If this is you, ask yourself:

1. How old is my roof?

Is the damage isolated or widespread?

Am I planning to stay in this home long term?

If I repair it now, how long will that last me?

An honest contractor will help you answer these- not steer you.

How Ranger Roofing & Exterior Approaches It

Our philosophy is simple:
We educate first.
We recommend based on facts.
You decide.

Some homeowners choose to repair.

Some choose replacement.

Both are valid- depending on your goals.

We'll document everything, explain the risks and benefits, and give you clear numbers so you can make a money-smart decision with confidence.

No pressure. No sacre tactis. Just information.

Final Thought

Your roof protects everything under it- your home, your family, and your investment.

Whether you repair or replace your roof, the most important decision is choosing a contractor who:

Listens
Explains
Respects your budget
Supports your priorities

If you'd like an honest evaluation and options laid out clearly, Ranger Roofing & Exteriors is here to help.

Because informed homeowners make better, money-saving decisions!

Why Roofers Won't Repair Your Roof

Tue, 15 Apr 2025 20:47:13 GMT

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When it comes to roofing repairs in Kansas City, you might be surprised to learn that many big companies tend to shy away from small roof repairs. Why? Well, it often boils down to cost-effectiveness and profit margins. Large roofing companies typically focus on bigger projects that bring in substantial revenue, leaving homeowners with minor issues feeling overlooked and mistreated.

This can create a frustrating cycle where homeowners delay necessary repairs, hoping for a response from these companies, only to be met with silence. Unfortunately, this not only exacerbates the initial problem but can also lead to more significant damage down the line. Small leaks can quickly escalate into costly issues if left unattended, affecting insulation and even structural integrity.

Many small and local roofing businesses, like Ranger Roofing, thrive precisely because they understand this dilemma. They prioritize customer relationships and are often willing to take on those minor repairs that larger companies ignore. These smaller shops recognize that every repair counts and that taking care of their community means addressing both big projects and the little ones that keep homes safe and dry.

Homeowners should consider seeking out local roofers who value every job, no matter how small it may seem. Not only do they get the attention their roofs deserve, but supporting local businesses contributes to a stronger economy in the community as well. How do you know if the roofing provider is local or reliable?

They typically aren’t knocking on your door after a big storm. Be wary of storm chasers. Often, large roofing companies come in from different states after a storm and knock on people’s doors. They’ll convince homeowners to file claims without inspecting their roofs and then leave them high and dry if they have a bigger job come up. A local shop shouldn’t leave you high and dry and shouldn’t recommend filing an insurance claim on your roof without careful inspection.

They have a large fleet of vehicles roaming the area. There’s nothing wrong with having a thriving local roofing company, but again, ask if they are local before agreeing to any work. The risk of hiring an out-of-town contractor is a lack of follow-through and attention to detail. When you work with a local provider, the chances of being left high and dry decrease.

You don’t feel like they’re listening to you. You keep trying to explain to them what’s going on, and as soon as they hear the word repair, they stop listening and start to sell or hit the door running. We at Ranger Roofing take care of our customers because our customers are our neighbors. Some large companies focus on the quick turnaround and profit margins, not the customer’s situation and concerns.

We hope you never face a roofing issue, but if you do—big or small—remember there are dedicated professionals ready to help without dismissing your needs based on profit margins alone. Even if you’ve already had someone out and felt unheard, you can call us for a second opinion. Until a contract is signed, nothing is final. We recommend having at least two companies out to give you their professional opinion and estimates. We’ll come out at no charge to inspect your roof and provide recommendations based on your insurance policy and specific situation.

But here’s where local family-owned roofers like Ranger Roofing come into play. Based right here in Kansas City, they understand the importance of every single repair, no matter how small. These dedicated professionals are more than happy to tackle those pesky leaks or shingle replacements that larger companies might dismiss as “not worth their time.”

What’s even better is their commitment to honesty and integrity. If your roof needs a complete overhaul for safety or insurability reasons, they’ll let you know—no upselling or unnecessary pressure involved. Their priority is helping homeowners feel secure and satisfied with their roofs, whether it’s a small fix or a large repair job. So next time you find yourself facing roofing issues, remember there are local roofers ready and willing to lend a hand!

Winter Roof Repair

Sat, 01 Feb 2025 20:27:44 GMT

Winter Roofing Challenges in Kansas City: What Homeowners Need to Know

Winter in Kansas City can be particularly tough on roofs, leading to a variety of common issues that homeowners should be prepared to address. Understanding these challenges can help prevent costly repairs and maintain the integrity of your home. Below, we break down the most frequent winter roofing problems, the best conditions for repairs, and considerations for new roof installations during colder months.

Common Winter Roofing Issues

Ice Dams
Form when snow melts and refreezes at the eaves.
Block proper drainage, causing water to back up under shingles.
Can lead to leaks, insulation damage, and mold growth.

Heavy Snow Accumulation

Excessive snow can put stress on the roof’s structure.
Can lead to sagging or, in extreme cases, roof collapse.
Regularly removing snow with a roof rake can prevent excessive weight buildup. If you notice warping of your roof, call Ranger Roofing to have it inspected. Warping can typically be identified from the ground.

Freezing and Thawing Cycles

Temperature fluctuations cause expansion and contraction of roofing materials.
Can result in cracked or loose shingles, leading to leaks.
Proper attic insulation and ventilation help regulate temperatures and reduce damage.

Condensation and Moisture Buildup

Poor ventilation can cause moisture accumulation in the attic. Sometimes, this results from a whole home humidifier or improper attic venting. If you notice water spots on your ceiling, Ranger Roofing would be happy to inspect your attic for possible causes.
Leads to mold growth and weakens roof structures over time.
Ensuring adequate airflow through the soffit and ridge vents can mitigate this problem.

Best Conditions for Winter Roof Repairs

Performing roof repairs during winter can be tricky due to cold temperatures and weather conditions. Here’s what homeowners should keep in mind:
Ideal Temperature: Roof repairs should be conducted when temperatures are above 40°F to ensure materials like shingles seal properly and adhesives work effectively.
Safety First: If temperatures drop below freezing or there is significant ice and snow on the roof, repairs can be dangerous and should be postponed.
Professional Assistance: Hiring a roofing professional like Ranger Roofing with experience in winter repairs ensures proper techniques are used and safety precautions are followed.

Considerations for Winter Roof Installations

While winter roof installations are not ideal, they can be successful under the right conditions. Here are key factors to consider:

Weather Conditions:
Dry weather with temperatures consistently above 40°F is essential.
Minimal wind exposure is crucial for safe and efficient installation.
Snow and ice are not present on the roof.
Proper Materials and Techniques:
Using specially formulated adhesives designed for cold weather can ensure a secure installation.
Roofing contractors may use thermal blankets or other heating methods to help materials adhere properly.

Timing and Planning:

Scheduling installations during mild-weather windows can improve efficiency.
Planning ahead with a reputable roofing contractor can help ensure the best outcome.

Final Thoughts

Kansas City’s winter presents unique challenges for roof maintenance and repair, but understanding these issues can help homeowners take proactive measures. Regular inspections, timely maintenance, and working with experienced professionals can prevent major roofing problems. Whether you're addressing small repairs or considering a full roof replacement, proper preparation and knowledge are key to protecting your home during the colder months. Call Ranger Roofing & Exteriors today with any winter roof concerns.

Animal In The Attic

Tue, 10 Sep 2024 22:49:00 GMT

How Did An Animal Get In My Attic?

When it comes to our homes, the attic is often an overlooked space, but it can become a haven for unwelcome animal guests. Common culprits include squirrels, raccoons, bats, and even birds. These creatures are adept at finding their way in through seemingly small openings. You might wonder, "How did an animal get in my attic?" The answer often lies in exterior roof or siding damage that creates access points.

Roof damage can occur due to various factors, such as age, severe weather conditions, or even poor maintenance. Missing shingles or gaps around vents and chimneys provide perfect entryways for wildlife seeking shelter from the elements. Once inside your attic, these animals can cause significant damage by chewing on wires or insulation and leaving behind droppings that pose health risks.

As we transition into fall and winter, taking proactive measures to button up your exterior against these critters is essential.

Tips on how to keep animals out of your attic:

1. ** Inspect Your Roof **: Look for damaged shingles or areas where the roof meets the walls of your home.

2. ** Seal Entry Points **: Use caulk or steel wool to fill gaps around vents and pipes.

3. ** Trim Overhanging Branche s**: Keep tree branches away from your roofline to prevent easy access.

4. ** Install Chimney Caps* *: These caps can help keep animals out while allowing proper ventilation.

5. ** Consult Professionals* *: If you suspect existing damage or want a thorough inspection, consider contacting experts like Ranger Roofing in Kansas City.

For those in Kansas City facing roof damage that could invite unwanted visitors into their attics, Ranger Roofing offers expert repair services tailored to protect your home from weather elements and wildlife intrusions. Taking proactive measures now will help secure your home against critters looking for a cozy winter hideaway!

Why Get A Second Opinion On My Roof?

Tue, 09 Jul 2024 14:31:00 GMT

Why Should I Get A Second Opinion On My Roof Inspection?

If your roof has damage and you received a less-than-ideal estimate or decision from your insurance company, it’s not necessarily a final decision. When filing a residential insurance claim for roof repair or replacement, homeowners should be ready to get a second estimate. Adjusters and contractors can sometimes disagree on the extent of damage and what is covered under the policy.

Homeowners may qualify for additional coverage by working with a roofing company with impeccable expertise in navigating insurance claims, like Ranger Roofing & Exteriors experts. Our experienced contractors can identify damage that other contractors or adjusters may have missed and submit the proper documentation required to change the estimate.

Our team of roofing rangers has the expertise to identify damage that other contractors or adjusters may have overlooked. They understand the intricacies of the documentation required to inform and update the estimate properly. By thoroughly inspecting the property and submitting the necessary documentation, our rangers ensure that the full extent of the damage is accurately captured and addressed. This attention to detail allows us to advocate for our clients, ensuring they receive the appropriate coverage and resources to restore their property properly. Our team's commitment to meticulous assessment and comprehensive reporting means that no damage goes unnoticed, empowering our clients to obtain the full compensation they are entitled to. With our experienced rangers on the job, you can trust that the estimate will reflect the true scope of repair work needed, setting you up for a successful restoration process.

So, call us if you received a less-than-ideal estimate or outcome for your roof or exterior damage. It doesn’t hurt to get a second opinion.

At Ranger Roofing & Exteriors, serving the Kansas City Northland area, our team can provide a thorough, independent assessment of roof and exterior home damage. We work directly with insurance providers to maximize the homeowner's claim and coverage. Getting a second opinion can make a significant difference in the final outcome and cost for the homeowner.

—

Five Types of Exterior Home Damage We Look For

• Hail Damage: Hail can cause significant damage to roof shingles, siding, and other exterior components that may not be immediately visible. A trained eye is needed to identify these subtle signs of hail impact and be able to document occurrences so the adjuster has a full view of the extent of the damage.

• Wind Damage: High winds can lift and tear shingles, loosen flashing, and compromise a roof's structural integrity. These issues may not be apparent without a thorough inspection.

• Ventilation Issues: Improper attic ventilation can lead to premature aging of roofing materials and other problems.

• Collateral Damage: Storm events can damage gutters, exterior paint and siding, downspouts, skylights, and other roof accessories that may be overlooked in the initial assessment.

• Code Upgrades: When a roof is replaced, local building codes may require upgrades like roof decking or ventilation. Chimneys often require upgrades and should be completed when a new roof is installed.

If you haven’t filed a claim on your roof or exterior, we highly recommend waiting until our team has inspected the damage in person. Filing a claim cannot be undone, and if we think your roof does not qualify for coverage, we can help you navigate the next steps. When working with your insurance company, it is best to err on caution and have one or two professional, knowledgeable contractors out to give you their opinions first. Doing this will make the process easier for all parties involved and can increase your chances of getting your claim approved.

How Do I Know When To Replace My Roof?

Fri, 28 Jun 2024 18:51:00 GMT

How Do I Know When To Replace My Roof?

How Do I Know When To Replace My Roof?

Roof replacement is often considered necessary only after a major storm or other obvious damage. However, a roof may need to be replaced for several reasons, even without visible storm damage.

In Kansas City, roofs are subjected to various natural elements that can cause gradual deterioration over time. Exposure to UV rays, temperature fluctuations, and wind can all damage roofing materials like asphalt shingles. As shingles age, they may start shedding granules, become delaminated, or develop blisters—all signs that the roof is nearing the end of its lifespan.

How Old Is My Roof?

While you may not know the exact age of your roof, you can use some simple visual cues to determine the shape of your shingles.

As shingles age, they can exhibit several tell-tale signs that the roof is approaching the end of its lifespan. One of the most common indicators is the shedding of granules from the shingle surface. These granules, which protect from UV rays and impact, gradually wear away, leaving the underlying asphalt exposed and more vulnerable to damage.

You can tell if yours are aging by visually inspecting from the ground. If they appear shiny or slick, chances are that they need to be replaced. You may also find evidence of granules on the ground or in your downspout. When it comes to older shingles, remember that when the granules shed, they land in your gutters and can lead to gutter clogs.

Shingle Delamination

Another sign of aging shingles is delamination. This is where the layers of the shingle start to separate and peel apart. This process occurs as the shingles deteriorate over time, and it can have serious consequences for the integrity of the roof system.

As the shingle layers begin to delaminate, cracks and gaps can allow water to penetrate the roof. This can lead to leaks, damaging the underlying roof structure and the home's interior. Separating shingle layers also reduces the overall strength and durability of the roof, making it more susceptible to further damage from weather, impact, and other external factors.

Delamination is a clear indication that the shingles on a roof are nearing the end of their lifespan. It's important for homeowners to be aware of this issue and to inspect their roofs regularly for signs of delamination. If left unaddressed, delamination can quickly escalate into a more extensive and costly roofing problem, requiring a complete roof replacement to ensure the continued protection and integrity of the home.

OUCH! Shingle Blisters

The development of blisters on the shingle surface is another clear indication that the shingles are deteriorating and no longer functioning as intended.

Blisters are formed when the asphalt layer within the shingle begins to lose its integrity, causing pockets of air or moisture to become trapped beneath the shingle's surface. This can happen due to various factors, such as exposure to UV radiation, temperature fluctuations, or improper installation.

As the blisters grow, they can eventually lead to cracks and breaks in the shingle material, compromising the shingle's ability to provide adequate protection for the roof. This can result in leaks, water damage, and other issues that can shorten the roof's lifespan and require costly repairs or replacement.

Homeowners should be aware of blisters on their shingles and address the issue promptly to prevent further deterioration and potential damage to the roof. Regular inspections and timely maintenance can help identify and address shingle issues before they become more severe, ensuring the long-term performance and integrity of the roof.

Visually Inspect A Roof

These visual cues are important for homeowners to recognize, as they signal the need for a roof inspection and potential replacement. Ignoring these signs can lead to more extensive and costly damage to the roof and the home's overall structure. By being proactive and addressing shingle issues promptly, homeowners can ensure the longevity and integrity of their roofs, ultimately protecting their investment and maintaining the safety and comfort of their living space.

Even if your roof appears to be in decent condition, the age of the materials is an important factor. Most asphalt shingle roofs in the Kansas City area have a typical lifespan of 15-20 years. Once a roof reaches this age, it becomes more susceptible to leaks and other issues, regardless of whether a major storm has hit.

Proactively replacing an aging roof before major problems arise can help homeowners avoid costly water damage and interior repairs. A roof replacement may be the best investment to protect a home's long-term value and integrity.

Water Spots On Your Ceiling?

Fri, 26 Apr 2024 15:33:00 GMT

Water Spots on Your Ceiling? 6 Reasons Why It May Not Be a Roof Leak

When you notice water spots on your ceiling, it's natural to assume a roof leak. However, that's not always the case. There are several potential causes for water spots that have nothing to do with your roof. As the experts at Ranger Roofing & Exteriors in Kansas City know, it's important to have a professional inspect your home before filing an insurance claim.

Our team is staffed with experts in identifying home damage. We will inspect and find the problem and provide you with our findings so you can make the best decision for your home.

If you'd like to do some sleuthing of your own, here are 6 common reasons we see for water spots on ceilings.

6 common reasons you may be seeing water spots on your ceiling, aside from a roof leak:

1. Condensation: Excess moisture in the air can lead to condensation buildup, which can then drip down and create water spots.

2. Plumbing issues: Leaks in your home's plumbing system, such as in the pipes or fixtures, can cause water to seep through and show up on the ceiling.

3. HVAC problems: Issues with your heating, ventilation, and air conditioning system can result in water accumulation and ceiling stains.

4. Attic ventilation: Improper attic ventilation can cause moisture to build up and eventually manifest as water spots.

5. Wall cracks or holes: Cracks or holes in your home's walls can allow water to penetrate and leave its mark on the ceiling below.

6. Ice Dams: During the winter months, ice dams can form on the roof, causing water to back up and find its way into the home, leading to ceiling water spots.

Before assuming the worst and filing an insurance claim for a roof leak, have Ranger Roofing & Exteriors take a closer look. Our experienced team can accurately diagnose the cause of your water spots and recommend the appropriate solution, whether a roof repair or addressing another issue in your home.

Don't let water spots on your ceiling cause unnecessary stress and expense

Contact us today to schedule an inspection and get to the bottom of those pesky ceiling stains.

How To File A Claim For My House

Tue, 12 Mar 2019 14:29:00 GMT

You may think that all roofers are the same, but they aren’t. And no one knows this better than insurance claims adjusters. That’s why working with a roofing company that has over 18,000 hours logged working on the inside of insurance can give homeowners a leg up on their roofing or exterior project in Kansas City.

When it comes to approving a roofing or siding insurance claim we know what damage your adjuster looks for.

Here are some things that adjusters are looking for when it comes to an insurance claim approval or denial:

1. Weather Events

There are several reasons that a roof might need replacing but when it comes to insurance claims wind and hail are the main perils that could potentially be covered by your insurance policy. If you filed a claim for wind or hail damage, your adjuster will verify that the weather event occurred before they speak with you. They will know the size of the hail and the wind speeds in your area on the date of loss and will use that information to help guide them in their coverage decision.

2. Physical Damage

Just because you had a weather event at your home does not necessarily mean your home sustained damage that would warrant a roof or siding replacement. Your adjuster will look for any physical damage to your roof or siding, figure out what caused the damage, and compare that to your policy. If it's covered your adjuster will determine if a full replacement is warranted or if repairs will get you back to a pre-loss condition. Insurance carriers have different thresholds when it comes to what warrants a replacement, so you and your contractor need to be able to communicate effectively with your insurance carrier to understand what is needed. Our history in the insurance industry has given us a unique ability to speak intelligently with both the homeowner and the insurance carrier.

3. Collateral Damge

Before your adjuster steps foot on your roof they will likely walk around the property and look for other damage to your property that the weather event could have caused. Do you have some new dings on your garage doors or windows? Do you see some marks on your wood fence that were not there before? Those are the types of things your adjuster will look for and that collateral damage helps tell the story that you did have a weather event that caused damage to your property. This information and evidence make it easier for them to agree that a roof replacement is warranted when they can find other damage caused by the same peril on your property.

4. The Claims Process

Filing a claim as a homeowner can be a stressful process because it is not something the average homeowner has much experience in. You likely have a lot of questions on how it will work and what the process is. The good news is that most carriers follow a similar claims process which we will describe here.

Step 1: You file your claim (either with your agent, by phone, or online portal) where you will give the facts of loss or more simply stated; what happened and when.

Step 2: Your assigned adjuster will make an initial contact with you to confirm the facts of loss, review information specific to your policy (deductible, policy limits, how your policy pays) and set a time for an inspection if necessary.

Step 3: Your adjuster will begin their investigation . Before they inspect your property they will begin to research what could have happened to cause your damage. The most frequent cause is weather related so they will look for weather events in your area on the date of loss that could have contributed to the loss. They will also review any prior claims you might have had to determine if that would affect your current claim.

During the inspection, they will physically examine the property to look for damage that would have been created from the event that you described in your facts of loss. If they find damage they will review your policy for coverage and if coverage applies they will create an estimate based on the damage they found and explain the settlement to you.

Step 4: If you have not already contacted a contractor you will need to find one to help with the restoration of your home. Your contractor will review the damage and create an estimate for what needs to be done to bring your home back to its pre-loss condition. Many times your contractor and adjuster will agree on what needs to be done and you will simply be able to move forward with the repairs. However in the event your contractor feels that more is needed to restore the property then they will submit their estimate to the adjuster for them to consider making revisions. If your adjuster agrees with the requests they will update their estimate and send it to you but if they don't agree(or your policy doesn't cover the requested revisions) you and your contractor can move forward with your project how you see fit.

Step 5: After the work has been completed you or your contractor can submit the final invoice to the insurance carrier. If there are additional funds to be sent, your adjuster will confirm with you that the work was completed and review the final payment amount. When you receive the funds you will settle the invoice with the contractor and be able to relax knowing your home was taken care of.

You might be asking how long this whole process takes. Unfortunately, there is not a simple answer to that. There are a lot of factors that can affect the life of the claim. The insurance carriers claim volume, the availability of contractors or materials; and the list goes on. Some elements that extend the claim can not be controlled but the best way to make sure your claim moves forward is to make sure you and your contractor are effective communicators with your insurance carrier.

For a contractor that means providing concise and complete information to your adjuster that makes it easy for them to make a decision. At Ranger Roofing and Exteriors we understand that adjusters need facts and support to make decisions and adjusters can't make changes to estimates just because a contractor said it was necessary. Submitting a request without supporting documentation causes further unnecessary delays by forcing the adjuster to call for clarification or track down additional details for the request. A contractor must also keep their customers in the loop on what is happening with their claim. If the contractor has a conversation with the adjuster they should update the homeowner as well. Everyone should be on the same page.

Claim Denials: Sometimes the adjuster can't find what they need to find to cover the claim.

Was there no damage? Does your policy not cover it? The reasons for a denial could go on forever. If your adjuster was not able to find covered damage that does not mean there is no damage. It simply means there is no damage that your policy would be able to cover.

Your adjuster might agree that, yes, this roof does need to be replaced or yes, all of your siding needs replaced however your insurance policy does not cover all forms of damage.

Wear and tear is the main cause when it comes to damage that is not covered by insurance. Remember your insurance policy is there to cover you against sudden accidental events and not long-term damage. Your adjuster would much rather pay for your claim than have a potentially difficult conversation with a homeowner about why their claim is not covered. Adjusters DO NOT receive bonuses or incentives for claim denials. In reality, they get more accolades and recognition when their customers are happy so rest assured that if they can cover it they will.

Claims Payments: When it comes to receiving payment for your claim it can be a confusing process. How much do I get and when do I get it are the main questions. Again, as with most things insurance-related, it can be a complicated process. Everything depends on how your policy pays and the coverage you have selected. There are typically two ways of making payment; a single payment or multiple payments.

Depending on your policy conditions you might receive an initial payment that is equal to the depreciated value of your damaged property less your deductible. This is referred to as the Actual Cash Value (ACV) . For example, if your 20-year-old roof is being replaced your policy might dictate that the first payment to you will be based on the actual cash value of the damaged property. So your adjuster will write an estimate to replace the roof or the Replacement Cost Value (RCV) but only pay you the value of a 20-year-old roof as the first payment.

Formula To Calculate Payment

RCV - Depreciation = ACV

ACV- Deductible = Initial Payment

When the work is completed and upon receipt of the final invoice the adjuster will then release the remaining funds to you.

If your deductible exceeds the amount of the ACV then the insurance carrier would not have an initial payment to make as the claim payments would not have exceeded your deductible yet.

If your policy conditions allow for only an ACV payment then any depreciation that is held back would not be payable to you.

Deductibles: A deductible is the amount of the loss you are willing to share with the insurance company. Deductibles exist to help prevent fraudulent claims or an excessive number of claims being filed by customers. You can find your deductible listed on your declarations page when your policy was sent to you.

A property insurance deductible is not the same as a health insurance deductible . With your property insurance, the deductible applies on a "per occurrence" basis meaning anytime you file a claim your full deductible will be applied subject to your policy conditions.

You don't pay your deductible to the insurance carrier. They simply estimate your total loss and subtract your deductible amount from the settlement. You will pay your deductible to your contractor as a cost of the repair.

Conclusion:

The claims process can seem complicated and overwhelming. During an already stressful time, it is important to work with a contractor who truly understands the claims process and how to work with an insurance carrier. When you choose to work with Ranger Roofing and Exteriors you can be sure you have an industry expert in your corner until your home is your home again.

Leave No Trace Roofing & Siding Replacements

Tue, 12 Mar 2019 14:29:00 GMT

Renovations are hard enough. Our goal is to leave no trace

If you've ever been through a home construction project, you're no newbie to the noise, dust, and mess that comes along with it. Our mindful team takes care of your property as if it were our own. While some dirt and noise cannot be avoided, we try to be as minimally intrusive as possible.

1. Project Ranger

When you work with us, you will be assigned a Project Ranger. This skilled team member is responsible for providing daily updates, quick communication between you and the crew, and making sure that your project is on time and that your property is being taken care of. They will also work with your insurance company to move your claim toward closure.

During the initial phase of the project, your Project Ranger helps guide you through the overwhelming process of design and material selection.

2. Leave No Trace On-Site Dumpster & Removal

We provide on-site dump trailers for the removal of material and to help reduce the mess. Our team knows that when it comes to your project, craft & care are more important than speed. While our crews work efficiently, they also work hard to make sure your home and yard are taken care of. We'll protect your landscaping and other outdoor features to the best of our ability. We will also do a thorough sweep of your yard and landscaping with a magnet to make sure we pick up any loose nails or other debris.

3. Efficient Crews

Our crews have decades of experience. They chose to work for us because of our efficient communication and ability to provide high-quality work. They can complete jobs quickly because of their experience. They are true craftsmen when it comes to repairing and installing new exterior finishes.

4. Post Project Inspection & Approval

After completing your project, your Project Ranger and crew will conduct a final walk-through with you to ensure that your home is being left in a good state and that we have completed all previously agreed-upon work and clean-up. If there are any concerns, we'll take care of them per our agreement. Our Concierge will stay in touch and be available to you 90 days post-completion in case you have a question or concern down the road.