When your property suffers damage, it’s crucial to determine whether it was caused by a storm or if it resulted from normal wear and tear over time. This distinction can impact your insurance claim, repair strategy, and long-term property maintenance. At Restoration 1 of Castle Rock, we help homeowners and businesses in Castle Rock, CO, assess and restore damage caused by storms, water intrusion, and structural deterioration.



What is Storm Damage?

Storm damage is sudden and unexpected destruction caused by extreme weather events such as high winds, hail, heavy rain, flooding, or lightning.

Common types of storm damage include:

• Wind damage, which can rip off shingles, damage siding, break windows, and cause trees to fall on structures.
• Hail damage, which can leave dents, cracks, and punctures in roofs, windows, and vehicles.
• Flooding and water damage, which can result in flash floods, foundation leaks, and basement flooding.
• Lightning and electrical damage, which can cause fires, power surges, and electrical system failures.

Most homeowners insurance policies cover storm-related damage, provided it is documented and reported promptly.

What is Wear and Tear?

Wear and tear refers to the gradual deterioration of a building due to aging, regular use, and lack of maintenance.

Common signs of wear and tear include:

• Missing shingles, sagging rooflines, and minor leaks caused by aging materials.
• Fading, cracking, or peeling exterior paint and siding.
• Slow, undetected plumbing leaks leading to water damage and mold.
• Foundation settling, cracks in walls, or uneven flooring due to aging.

Insurance typically does not cover damage classified as normal wear and tear. Insurers may deny claims if they determine that neglected maintenance contributed to the damage.

How to Tell the Difference Between Storm Damage and Wear and Tear

Storm damage occurs suddenly due to extreme weather, while wear and tear develops over time from exposure to the elements. Storm damage is often severe, impacting multiple areas of a property, whereas wear and tear typically affects only isolated components. Storm damage is generally covered by insurance, while wear and tear is the responsibility of the homeowner to maintain and repair.

How to Strengthen Your Insurance Claim

If you suspect storm damage, follow these steps to ensure a successful insurance claim:

• Take photos and videos of affected areas immediately after the storm.
• Compare with previous inspection reports to prove that the damage is new.
• Request a professional assessment from Restoration 1 of Castle Rock to confirm the cause of damage.
• File a claim promptly, as delays can lead to claim denials or reductions.

If you need expert storm damage restoration in Castle Rock, CO, contact Restoration 1 of Castle Rock today for a free inspection and fast, reliable restoration services.