Residential Roofing FAQ

General Questions

How I do I know if I have hail damage to my roof? Can I tell from the ground?

 

If you have had hail in your area, to determine if the shingles have been damaged a close inspection of the shingles has to be made from the roof.Damage is often missed from a ground level inspection.

Back to Top

 

My roof looks fine!Could it still be damaged?

 

Roofing systems must be physically inspected by a structural damage inspector to determine if there is actual hail damage.Hail damage is insidious in nature and may not physically cause leakage for years after the hail storm. A report was found, on the Internet, depicting the details of many insurance companies and their adjusters quoting certain engineering companies. It stated that granular loss did not necessarily constitute damage to the asphalt shingles themselves. They tried explaining that the shingles are designed to lose granules, which is partly true. However, shingles that suffer accelerated granular loss due to hail storms are decreasing in product life and performance. The following report clearly states that granular loss that exposes the asphalt mat of a shingle, constitutes damage. Don't take our word for it, read it for yourself. Hail damge

Back to Top

 

What does hail hit look like?

 

A hail hit on a shingle looks like a "bruise" or a dark spot where the granules on the shingle have been knocked off and the asphalt underlayment and sometimes the fiberglass mat is exposed. New hail hits will have a shiny appearance because the asphalt has been freshly exposed and has not had time to weather to a dull color.

Back to Top

 

My gutters and siding were damaged in the storm. Can you help with this as well?

 

Yes. We are a full service repair company. We can cover any issues you have that are storm related including damage done to the interior of your home.

Back to Top

 

Why would my insurance company replace my roof?

 

The purpose of home owner's insurance is to protect homeowners against losses in their property's value due to damage that is beyond their control. If you have hail damage, you have experienced a financial loss in that your original investment of a 20-year roof (for example) has now been reduced to a 5-10 year useful life span. Your insurance company will compensate you for your loss and replace your roof.

Back to Top

 

Do I need to get my roof replaced right away?

 

The insidious nature of hail damage is that it may pose no immediate threat to the structural integrity of the roof. However, many insurance companies have a "statute of limitations" of how long a hail claim is viable. If you have experienced a loss such as hail damage it is prudent to take care of the problem in a timely manner before it leads to other associated problems.

Back to Top

 

My insurance company denied my claim ,so am I out of luck!

 

You're entitled to a re-inspection once you choose a contractor who is willing to work with your insurance company adjuster

Back to Top

 

When an Insurance adjuster inspects my roof.How do I know if he understands roofs enough to spot hidden damage?

 

The best results for the benefit of homeowner seem to be obtained when an experienced roofer walks through the inspection with the insurance adjuster and calls to the adjuster's attention any damage that he sees.

Back to Top

 

Do I only have a year to file my roofing claim?

 

Many insurance companies are still paying claims from hail storm that happened more then two or three years ago.

Back to Top

 

My roof is new,can I assume it is covered by my manufacturer's warranty?

exclude hail impacts from their warranty.

Back to Top

 

Will my insurance company cancel my policy if I file an insurance claim?

 

If your roof has any damage what-so-ever you have a VALID insurance claim and should file with your insurance company. Insurance companies can not cancel your policy for a disaster related claim.

Back to Top

 

If I do not file my claim,will my insurance company raise my rates?

 

After a disaster, insurance companies may raise every one's rates. By not filing your claim your personal rate increase is paying for every one else's damage except yours.

Back to Top

 

 

If you would like a Free Estimate or Contact info --->Free Estimate | Contact Us | Home