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steve2470

(37,468 posts)
Fri Sep 15, 2017, 08:40 AM Sep 2017

Minor hurricane damage to panels over enclosed balcony

Thank you in advance for your help. I don't have the precise terminology for the damage, but I'll do my best.

My balcony is covered, and part of the "ceiling" covering appears to be long metal panels with a repeating pattern of small holes in it. Two of them, somehow, appear to have been torn down from their mooring and now hang at an angle over the balcony. The insulation from the attic also came down.

Oddly enough, the screens and rails of my balcony are untouched. Weird.

Of course I want to fix this, and I definitely don't have the knowledge or skills to do this. I'm also not sure I should report such minor damage to my homeowner's insurance company. Would they raise my rates if I reported it ?

7 replies = new reply since forum marked as read
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Minor hurricane damage to panels over enclosed balcony (Original Post) steve2470 Sep 2017 OP
Hurricane deductible 2 or more percent of insured value voteearlyvoteoften Sep 2017 #1
thanks! nt steve2470 Sep 2017 #2
anyone else have any info on possible costs to repair this ? steve2470 Sep 2017 #3
Can you post a picture? Hassin Bin Sober Sep 2017 #4
not a great one but you get the gist, thanks! steve2470 Sep 2017 #5
I assume the panels are bent and unusable. Hassin Bin Sober Sep 2017 #6
thank you so much, this really eases my mind!!!!!! nt steve2470 Sep 2017 #7

voteearlyvoteoften

(1,716 posts)
1. Hurricane deductible 2 or more percent of insured value
Fri Sep 15, 2017, 09:58 AM
Sep 2017

So 150000 insured 3k or more deductible.
However if there is a big thunderstorm within a couple weeks then regular deductible applies.
Just sayin

steve2470

(37,468 posts)
3. anyone else have any info on possible costs to repair this ?
Sat Sep 16, 2017, 10:34 AM
Sep 2017

I already reported this to my insurance company and I'm waiting for an adjuster. They are a bit busy here in Florida atm

Hassin Bin Sober

(26,693 posts)
6. I assume the panels are bent and unusable.
Mon Sep 18, 2017, 10:49 PM
Sep 2017

It's just soffit material. Not super expensive.


Relatively easy to install. An aluminum siding person or a good handyman or a moderately skilled DIYer should have no problem withi it. Doesn't appear to be any high ladder work involved.

Just tacked in with nails, I believe. Which is why it failed in a hurricane. I've never worked with the stuff but screws would be better if they could be hidden. Also easier to screw than hammer for an unskilled person.

Something like this:

https://www.menards.com/main/building-materials/roofing-soffits-gutters/soffit/12-white-pvc-coated-aluminum-vented-soffit/p-1444424172989-c-1488981946224.htm?tid=7088430808774390030&ipos=13

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