When you call your insurance company to your home to investigate hail damage, they look for prominent hail damage and other weather-related damage to your roof. The standard is around 10 hail hits per square on each side. A square is the a 100 square feet of area; so the adjuster will choose random areas and make it a test square, and see if it has how many hail hits it has. Shingles are designed so that the granules block the UV of the sun and protect the asphalt base. As the shingles age, the granules fall off over time. The asphalt is exposed to UV, it dries out, and the shingle gets a “potato chip” appearance as the corners start to curl up. A shingle at the extreme end of its life is “bruised” in appearance, and is brittle to the touch. Another test an adjuster may do is called the “brittle” test, which to see if any shingles break when you lift up a shingle by 2 inches. When your roof has hail damage, it does several things; it accelerates and increases the granule loss, accelerates shingle aging, nullifies the manufacturers’ warranty, and leads to other problems. Although hail damage does not pose an immediate threat to the structural integrity of the roof, it will eventually lead to problems if left untreated. Also, many insurance companies have a “statue to limitations” of how long a hail claim is viable– usually a year. It is usually a good idea to contact your insurance company soon after a major hail storm. When the inspector is on your roof, they are looking at your shingles for a “bruise” or dark spot where the granules have been knocked off and the base or fiberglass is exposed. A recent hail damage usually has a shiny appearance while older damage can appear duller due to weather exposure. Fort Worth Roofing & Dallas roofing companies are busy all year long; Texas is one of the area where happens almost every year.
There are two major types of residential insurance policies, “Actual Cash Value” (ACV) & “Replacement Cost” (RC). With an ACV policy your roof will depreciate in value each year for 10 years, if your roof sustains any damages, you will only receive a check for the depreciated value of your roof. In our experience, with this type of insurance policy, you get about half the funds you need to do the roof, and which many types results in the insurance company dropping the policy holder if they do not get the roof replaced. So, if the AVC check is for $3000, and the roof replacement is $6000. Its hard for the individual to get the replacement done. Many times people get an insurance check to make repairs or replacements, but the homeowner feels there is no problem with the roof. So, many times home owners eat up the check from the insurance. Many times, when these repairs are not made, and insurance company finds out when the adjuster comes by again, the insurance company drops them. So, ACV sometimes leads to people actually losing the insurance policy, since ACV does not pay for the total replacement. With an RC policy, your insurance company will cover the total cost to replace your new roof minus your deductible— a much better option.
Home insurance policies that are “replacement cost” will generally pay two installments for a new roof. The first check will be sent to the policyholder as soon as the adjuster has completed the damage assessment; the check is received within 7 days. The second check, generally 10 to 40 percent of the total settlement, is held back until the repairs are completed. This second check, usually referred to as “depreciation,” will be sent to the homeowner when the insurance company receives an invoice for final payment from the roofing company. Homeowner should choose a roofing company that know how to deal with the insurance companies.This will expedite this depreciation payment. Please be aware that most settlement checks are valid for 180 days. If the homeowner allows this check to expire, the Bank will not honor it and a rather lengthy process will be required to have this check re-issued. It is also important to remember that the settlement is based on the cost to repair the roof with materials of “like kind and quality.” Sometimes there is a discrepancy in the adjustment in cost, size of roof, or scope of damage between the homeowner and their insurance adjuster. If this is the case, make sure your roofing company has the experience necessary to resolve these differences directly with your insurance adjuster. .
Workmanship – This is the warranty from the roofing company. It covers workmanship, labor, installation, but not materials. This warranty is valid for three to ten years depending on the roofing company. Manufacturer – This warranty is issued by the shingle manufacturer and covers the materials used. These warranties vary based on 25, 30, 40, 50, and lifetime years, depending on the product you install. However, to get the manufacturer’s warranty the manufacturers guidelines need to be followed. For example, most manufacturer’s will want the installation of the felt, ridge vents, or ice and water shield by the manufacturer.
Impact Resistant Rebates
Some insurance companies will give a discount for a hail-resistant roof. This is usually defined by roofing material that undergoes an Underwriters Laboratory test called UL 2218. In this test, steel balls of different diameters and weights are dropped from different heights onto roofing material and then the damage incurred is assessed. Those shingles that pass this test will get the class 4 rating, for which the insurance company will some discounts.