Preparing Your Home’s Roof for Hurricane Season

Table of Contents:

• How Hurricanes Impact Roofing
• What Can You Do To Protect Your Roof in a Hurricane?
• Ask for a Preseason Roof Inspection
• Choose Performance Products
• Follow Building Codes
• Add or Inspect Hurricane Ties
• Consider the FORTIFIED™ Program
• Address Roof Repairs, Including Leaking Roof Vents
• Protect Skylights
• Secure Roof Documentation
• Store Potential Projectiles
• Verify Your Home Insurance
• Buy a Tarp
• Protecting Your Home’s Roof From Hurricanes

Disclaimer: The following information is provided for general information purposes only. It is incumbent upon the homeowner to follow all building codes and safety codes as well as public advisories from safety and emergency response authorities. The information provided in this article is supplemental to advice from your roofer, local building code authorities and your local laws. IKO disclaims all liability in respect to the information provided.

Unfortunately, there’s no such thing as a hurricane-proof roof. However, there are still plenty of things you can do to protect your roof, and therefore the rest of your home, from hurricanes and the damage they can do. Research published by the Environmental Protection Agency (EPA) suggests that hurricane winds are getting stronger, and hurricanes will begin to affect more people. While any given year might have more hurricanes than average or fewer, the overall trend is for hurricanes to cause more damage. That means it is more important than ever to do what you can to protect your home and ensure a hurricane-proof roof, especially during hurricane season. Below, we provide information on how roofs handle hurricanes and practical steps you can take to reinforce your roof or otherwise reduce your risk from a serious storm.

How Hurricanes Impact Roofing

While some roofs survive major hurricanes intact, other roofs suffer severe damage. Some roof trusses even blow off the home entirely. Much of the difference in roof performance during a hurricane has to do with the construction of the building. The major factors that determine whether or not your roof will blow off your home in a hurricane include:

• Where the home is situated.
• The strength of the structural connections in the building.
• The shape of the roof.
• Other architectural choices.

Hip roofs survive hurricanes better than gable roofs. The flat face of the gable catches wind, while the angle of a hip roof can better withstand the same pressure. In addition, low-slope roofs inherently experience higher wind loads and therefore perform worse in hurricanes than steep-slope roofs, according to research conducted by civil engineers at the New Jersey Institute of Technology. Specifically, this research found that roofs at a 7:12 pitch perform the best in high wind conditions.

Roofs that are structurally sound and well-attached to the rest of the building may still suffer in hurricanes. The extreme wind forces often blow water at a structure horizontally. Instead of moving down from the sky, the water is directed across, hitting the roof from the side. This phenomenon is called wind-driven rain, and when it occurs during hurricanes, it can involve large amounts of water directed at your home for hours. It is a tough challenge to design materials and roofing systems that can resist this force. Any small gap in flashing, missing shingles or holes in the roof may let water into the home. Any piece of roofing material that catches the wind may be ripped off, creating a chain reaction that can strip the roof of shingles or underlayment. Then, the exposed decking can soak, which can create major leaks.

According to the Federal Emergency Management Agency (FEMA), there are multiple layers of risk reduction you can take to protect your home. Following building codes is the first step. Following construction best practices is the second. Obtaining homeowners insurance policies and purchasing additional insurance to cover hurricanes and flooding when your homeowner’s insurance does not cover these perils, is third. With these three elements of risk reduction, you should have excellent protection during a hurricane. However, FEMA recognizes that there will always be residual risk during extreme events.

What Can You Do To Protect Your Roof in a Hurricane?

Protecting your roof in a hurricane is all about preparation. Unless you intend to do a major rebuild of your home, you can’t control the design of your home or your roof. Instead, factors for roof performance that are within your control are about ensuring the roof you have will do the best job it can under the circumstances.

1. Ask for a Preseason Roof Inspection

Professional roofers are your roof’s first line of defense from hurricanes. Before hurricane season begins (this varies by year, but it is roughly May 15 for the Pacific and June 1 for the Atlantic), you should have a roofer inspect your roof. They may spot potential problems, from bent flashing to missing shingles, which could make your roof more vulnerable to extreme winds. One of the most common issues is damage to the edge of the roof, including the fascia and soffit boards. Roofers should pay special attention to this area of the roof and ensure all is secure before hurricane season.

Routine maintenance, such as cleaning gutters, downspouts and valleys, as well as trimming nearby tree limbs, can also help protect your roof from damage during storms.

While you have your trusted roofer inspecting your roof, ensure that you have their updated contact information available in case of an emergency roof issue after the storm.

2. Choose Performance Products

Not all roofing materials and features are made equal. Choose roofing products that offer limited wind warranties up to 130 mph (210 km/h). No shingle is impervious, but IKO has specifically designed performance shingles to better handle various environmental challenges, including high winds.

Some shingle manufacturers, including IKO, suggest different installation practices for high-wind conditions. We strongly suggest you consider a high-wind application if you live in a high-wind area. The chart below shows FEMA’s assessment of the high-wind areas in the United States.

Underlayment choice can also impact roof performance. Ensure that your roof has at least the bare minimum amount of ice and water protector. Choose synthetic underlayments that offer better moisture protection than felt. Even if some shingles are blown off, the right underlayment can help reduce the amount of water that gets into your home.

3. Follow Building Codes

Typically, you will only have to get your roof up to code with any changes to the building codes when you get a roof replacement or a repair of an area affected by the building code change. However, sometimes adopting the improvements laid out in the building codes before hurricane season can help offer you additional protection.

For example, as of January 1, 2021, the Florida Building Code has changed several roof requirements, including adding a secondary water barrier and additional fastening. Changes to rules for soffits were also implemented to reduce the impact of high winds on this key area of the roof. These new regulations do not negate other building code requirements for your roof.

Ask your roofer if it is in your best interest to update your roof to meet any new building code requirements before a hurricane.

4. Add or Inspect Hurricane Ties

Hurricane ties strengthen the connection between the roof truss and the home’s structural elements, preventing roof blow-off in high winds. Consider adding hurricane ties. If your home already has hurricane ties, your roofer should inspect them for corrosion and other damage during the preseason inspection.

5. Consider the FORTIFIED™ Program

The FORTIFIED ™ program is a voluntary program run by the Insurance Institute for Business & Home Safety (IBHS) with the goal of improving roof and home performance in hurricanes. By bringing your home up to the program’s standards, you can improve your roof’s performance in weather events.

The program has requirements for roofing and other parts of the home beyond what most building codes require. These enhancements can help a roof and home withstand even Category 3 hurricanes. The program’s requirements are based on research from the IBHS. Standards include sealing the roof deck, using a thicker drip edge, and ensuring that starter shingles are fully adhered to the roof deck. As research has demonstrated, the most critical factor in shingle performance is the strength of the seal between the shingles. These measures are intended to bolster this connection. You can ask a professional roofer to ensure your roof meets FORTIFIED™ standards.

6. Address Roof Repairs, Including Leaking Roof Vents

Before a storm, it is smart to get your roofer to complete any roof repairs that you have been putting off. Even small issues with the roof can lead to more serious damage during a hurricane.

Roof vents are especially important to inspect and repair. They are crucial components of a roofing system, but they can become points of concern during hurricanes, particularly if they leak. Choose hurricane-rated roof vents and have a reputable roofer install them to prevent leaks and hurricane-related vulnerabilities.

7. Protect Skylights

Skylights are particularly vulnerable during hurricanes and any high-wind conditions. Manufacturers equip modern skylights with tempered glass or plastic, which means they do not leave dangerous shards behind if broken during a hurricane. Skylights are typically designed to resist wind, but they can still suffer damage in high winds and hurricanes.

Have your roofers replace your current skylights with hurricane-resistant skylights. They are not hurricane proof, but they do have much higher wind-resistance properties than some other options on the market.

If this is not an option, you may be able to cover your skylight with a metal cage, plywood or a specifically designed skylight shutter. If the installation is temporary, your roofers will need to repair any shingles surrounding the skylight that they had to puncture with nails to secure the skylight cover.

8. Secure Roof Documentation

Take some “before” pictures of your roof for insurance and limited warranty claims. Take overall pictures from multiple angles and some close-ups as well. Your roofer can help by taking photos of points of interest, like chimneys and skylights, from on top of the roof. Save the photos to your cloud storage to ensure that you don’t lose them if something happens to your phone.

It may also be useful to scan and save digital copies of any limited warranties your roof may be under, including those from your manufacturer and the roofers who installed the roof.

9. Store Potential Projectiles

Many of the loose objects you have on your property may become projectiles in hurricane conditions. These can damage your roof, other parts of your home or your neighbor’s property. Before a hurricane, bring in lawn furniture, trampolines, children’s toys and anything else that you typically store unsecured outside.

10. Verify Your Home Insurance

In the United States, most homeowner’s insurance policies will not cover flooding and may not cover other hurricane damage. Before you choose a policy, or at least before a hurricane, confirm with your insurance provider that you also have hurricane and flood protection policies in addition to your homeowner’s insurance policy. You can purchase flood insurance through the National Flood Insurance Program (NFIP) in the United States. In Canada, you may find it offered by any insurance broker as an umbrella policy on top of homeowner’s insurance or separate to homeowner’s insurance.  Also, ensure that your coverage is large enough to provide for the whole cost of your roof replacement in the event a hurricane destroys it. It may be worthwhile to buy an umbrella insurance policy to increase the dollar amount of coverage so that your policies will cover more of your roof replacement cost.

11. Buy a Tarp

When roofers deal with roof damage after a hurricane, they typically install a tarp over the damaged sections of the roof to prevent further water damage. They can only address the repairs properly after storm conditions and precipitation have passed. If you have a tarp on hand, your roofers may use it instead of bringing their own. While having a tarp is useful for minor storms too, it is an especially good idea if a hurricane is approaching, as roofers may run out of tarps if enough roofs in your area have been damaged.

Though owning your own tarp is a wise precaution, attempting to install it yourself, especially during a storm, is dangerous. Homeowners should allow professionals to tarp their roof. Do not walk on your roof, during a storm or otherwise, or you may fall and suffer serious injury.

Protecting Your Home’s Roof From Hurricanes

When considering what steps you should take to protect your home from hurricanes, it is always wise to speak with your trusted roofer, who may have specific advice for your roof. In the unfortunate event a hurricane damages your roof, it can help you to know you have financing options for roof replacement and repair that can ensure you get the damage fixed quickly. Plan ahead and be prepared this hurricane season.