The True Cost of Storm Repairs

Few things are worse than living in the path of a major storm — whether it's a blizzard, hurricane or tornado. Heavy winds, hail, floods and flying debris can create dangerous conditions and cause significant damage to your home.

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As if the storm wasn’t bad enough, you now have to worry about making repairs to your house. You may wonder how much it might cost and who'll pay for the damage.

Who Pays for Storm Damage?

The first question you may have is who pays for the repairs. In many cases, your homeowners insurance pays for damages caused by wind, hail, falling trees and lightning. However, flood damage may not be covered. It depends on where you live and the type of insurance you have. Remember that you may have a deductible that needs to be paid before your home insurance kicks in.

If the damage is due to a natural disaster, you may also receive help from local agencies or nonprofit organizations, such as the Red Cross. These organizations typically cover basic supplies and services, such as shelter and food, but not home repairs. If the storm is considered a national disaster, you also may receive some funding from the Federal Emergency Management Agency.

Average Storm Damage Repair Costs

Below is a look at the average repair costs for the most common types of storm damage.

How Much Does It Cost to Repair a Roof?

According to data from This Old House, the average roof repair costs due to storm damage range from $150 to over $8,000 (CAD 212 to CAD 11,329). It depends on the type and scope of damage to your roof. For instance, replacing just a few missing shingles may only cost you a few hundred dollars. On the other hand, repairing a hole in your roof costs a lot more. If the damage is so severe that you need an entire roof replacement, the repair cost could be well over $10,000 (CAD 14,161), depending on the size and type of roof.

These costs don’t even include damages to any personal property inside your home. However, homeowners insurance may cover the costs of repairing your roof and replacing any damaged property.

How Much Does It Cost to Fix Hail Damage?

Hail can cause significant damage to your home, including dented siding, broken windows and damaged roofs. Repairing this hail damage is more than just making your house look good. It prevents further damage, such as rust, cracks and leaks. The cost to fix hail damage varies significantly depending on the type of repairs.

For instance, caulking may be enough to repair a few minor dents in your siding. On the other hand, replacing large sections of siding can cost $4 to $18 (CAD 5.66 to CAD 25) per square foot. Roof damage repair costs also vary greatly based on the type of roof and the size of the damage. Average roof hail damage repair costs range from $4 to $17 (CAD 5.66 to CAD 24) per square foot.

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How Much Does It Cost to Fix Damage From Wind or Flying Debris?

Strong winds can also cause storm damage. For instance, flying debris can break windows and damage siding, while strong winds can knock shingles off the roof. High winds can also cause trees to fall and damage your home. No matter the reason, repairs must be made.

The Home Depot says the cost to make these repairs depends on the type of damage. For example, window replacements range from $250 to $1,200 (CAD 354 to CAD 1,699) per window, while even minor repairs to siding can cost anywhere from $200 to $1,200 (CAD 283 to CAD 1,699). However, if you need to replace the entire siding on your home, it could cost up to $12,000 (CAD 16,993). As mentioned above, roof repairs can range anywhere from a few hundred dollars to over $10,000 (14,161), depending on the extent of the damage.

How Much Does It Cost to Get Water Out of Your House, or Water Damage Mitigation?

Water damage can often be the most costly and stressful type of repair after a storm. You have to protect the damaged area, remove all debris, including carpets, flooring and drywall, and extract the water from the area. On average, water mitigation costs between $1,300 and $2,400 (CAD 1,841 and CAD 3,398). These numbers could easily double if your home is damaged by black water due to a flooded sewer or seawater.

If your home was damaged due to a recent storm, contact your insurance company. Then, reach out to a professional contractor to ensure the repairs are done correctly.