Minor hurricane damage to panels over enclosed balcony

[steve2470]

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 ?

[voteearlyvoteoften]

1. Hurricane deductible 2 or more percent of insured value

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]

2. thanks! nt

[steve2470]

3. anyone else have any info on possible costs to repair this ?

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]

4. Can you post a picture?

[steve2470]

5. not a great one but you get the gist, thanks!

[Hassin Bin Sober]

6. I assume the panels are bent and unusable.

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

[steve2470]

7. thank you so much, this really eases my mind!!!!!! nt