Written by trustone3

Causes of Roof Damage

Causes of Roof Damage

A Roof is an essential, if not one of the most important, components to your home. There are many things that can break down the Roof’s ability to do what it was originally designed to do that cannot be seen without professional inspections by those who are trained to identify those problems. If your Roof has damage that goes unnoticed, it can cause greater and more costly problems to your home over time.

Here are some major causes of Roof damage and why it’s important to have a licensed and trained professional inspect your Roof every 6 months to a year. We hope making you aware of these items that this will help reduce the cost and burden of major damages to your home.

Poor Maintenance – Missing regular inspections on your Roof can cause you to miss small problems, damage, or small leaks that can be repaired with little cost and increase the life expectancy of your Roof. Regular and simple maintenance will prevent small and minor damage from becoming a major problem.

Hail Damage – When a Roof has been exposed to a severe hailstorm; granules can become dislodged from the surface of the shingles. The Roof has now been compromised. The colored granules, on the surface of the shingles, serve two important purposes:

1. They are designed to protect the underlying surface from exposure to the sun.
2. These granules provide an eye pleasing color to the shingles.

When a Roof has experienced prolonged exposure to sun it may cause the asphalt to deteriorate. This is the reason why a hail-damaged Roof will tend to fail prematurely. Hail damage can very rarely be seen from the ground and requires an on the Roof inspection in order to accurately assess the damage of the shingles and Roof.

The effects on a shingle from hail damage may not be apparent for about a year, even though damage has occurred to the shingles and Roof. At this time, circular areas of granules will fall off the shingles. This is often called spalling. The impact of the hailstone has broken or severely weakened the bond between the granules and the asphalt. After a year or so of weathering, the granules fall off the shingles in the circular area of impact from the hailstone.

With the granules now missing on the shingles, the sunlight (UV) quickly attacks the asphalt and the maximum performance of the shingle has now been compromised. Most manufacturers’ warranties are void when shingles are damaged due to the evidence of hailstorms. It is important after a storm to have your Roof inspected for possible hail damage.

Wind Damage – Over a period of time wind can loosen nails, shingles, and other Roofing materials. When this occurs even a moderate wind can lift the shingles and cause major and minor damage to a Roof. Missing shingles is a great sign that your Roof could have sustained wind damage. It will be important to have regular inspections to check that additional shingles have not been creased, loosen, torn, and/or damaged by wind. Wind and hail are two of the most common causes to sever damage to a Roof.

Other Weather Conditions – Many different types, colors, styles, and materials used in a Roof can be damaged over time by exposure to mother- nature’s elements. Elements like the sun, snow, ice, humidity, and rain can cause pollutants and other chemicals in the air to breakdown and destroy the material in the different Roofing components. Regular inspections to your Roof will allow these trouble signs, caused by conditions outside of your control, to be identified before the problem gets worse.

Improper Installation – Having your Roof installed, repaired, or replaced by a highly trained and licensed professional can make all the difference in the world. Roofs that are installed improperly could have voided manufacturer warranties and greatly decrease the overall life expectancy of the Roof. Making sure your Roofing professional has experience in your style and type of Roof is extremely important. The Roofing industry is a very broad industry where products and installation requirements are always changing. Be sure to properly qualify your contractor before allowing them to do any work on your Roof.

If you think you may have damage please see our other articles about finding, hiring, and what to look for in a Roofing professional before you call anyone out to your home.

 

Written by trustone3

Step-By-Step Roofing Services After a Storm

Step-By-Step Roofing Services After a Storm

For many, springtime is a precarious time of year in terms of weather and its effects on your home. Spring and early summer are often very busy times of year for Roofing companies. Heavy rains, hail, high winds and tornados threaten the integrity of your Roof and sometimes necessitate repairs or replacements. This article will help you know what process to follow if you suspect Roofing damage after a storm.

1. Call Your Insurance
If you suspect your Roof has sustained damage due to a storm, the first step to take is call your homeowner’s insurance provider and let them know of your situation. They will be able to explain how your specific policy handles weather damage and how and what they will pay on repairs. It is likely they will pass your claim information on to a field agent who will contact you to set an appointment for an inspection.

2. Obtain Repair Estimates
In the meantime, as you wait for your claim to be processed and await your adjuster’s phone call and inspection, get a head start and gather some quotes from Roofers in your area. You are advised to work only with professionals based in your own state to avoid any scams or fraudulent activity. Let the Roofers know that you don’t have your insurance quote yet, that you are merely seeking an estimate and be sure not to sign any contracts until you hear from your adjuster.

3. Decide on Roofer
Once your adjuster has deemed your Roof a loss and given you the amount the insurance company will cover toward a new Roof, it’s time to choose your Roofing company. At that time, some Roofers will work with your insurance company with the rest of the process, as they complete the replacement and bill them. It is common to see this, and isn’t anything out of the ordinary.

4. Pay Your Roofer
Once your Roofing company has submitted its invoice to your insurance company, they will then issue a check requiring the endorsement of both you as the homeowner/policy holder, and the Roofer. Some insurance companies issue the check to only the homeowner, but this detail depends upon the rules of the company. If your Roof replacement quote was greater than your coverage amount, or if you had a deductable subtracted, then you will be responsible for the remainder of the Roofing company’s charge.

Please note that this is generally the process by which most mainstream homeowner’s insurance companies handle storm claims. There may be various nuances among the insurance providers. Contact your insurance agent for more information.

 

Written by trustone3

Evaluating Roof Damage After a Hailstorm

Evaluating Roof Damage After a Hailstorm

Hail can range in size from tiny marbles to golf balls and it can cause a lot of damage to Roofs. The hard impact can damage shingles and expose the Roofing materials underneath to the elements.
Homeowners insurance will often cover the expenses, but claims are not always approved on the first request and they may take some time to go through.

Damage
Shingles have a coating of granules on them that protect the home from penetration of the sun’s ultraviolet rays. When hail hits hard enough, the granules are knocked loose. Because the granules are usually lighter in color than the shingle’s surface, the bald area will appear as a dark patch.

The damaged area may appear shiny at first, before the shingle’s surface has had a chance to fade with exposure to sunlight. Another possibility is that the construction of the shingle itself is damaged. If it is not properly overlapping and adhering to the Roof, this makes it possible for water to penetrate the structure.
Strong wind from the next storm may peel off shingling entirely. Gutters and Roofcaps may be damaged as well. Signs include dimpling on the surface or displacement.

Inspection
Hail damage is often difficult to see from the ground and requires an up-close view for certainty. The homeowner may go up and check. If there appears to be a problem or if the homeowner is not comfortable with going up on the Roof, a Williamsburg Roofing company can be called upon to inspect it. If there is damage, the property owner should call the insurance company and request an inspection as well.
Any replacement of a Roof or shingling may be covered by the insurance policy. If the Roof inspector from the insurance company does not agree with the Roofing contractor, suggest a reinspection by the insurance adjuster with the Roofing contractor present. They can discuss the issue and come to a fair conclusion.

Replacement
Roof replacement or Roof repair may be necessary after a hailstorm. Many insurance companies will use the guidelines that 10 hits per 100 square feet is notable and constitutes damage.
For an older Roof that has not quite reached its life expectancy, the insurance company may authorize a Roof replacement to avoid further damage to the home if it is damaged and left unchanged. Gutters and Roofcaps may need replacement as well.

 

Written by trustone3

Roof Hail Damage Claim – Steps to Take

Roof Hail Damage Claim – Steps to Take

When it comes to caring for your house, you need to make sure that you’re properly insured. For different people, this is going to mean different things. For example, if you live in a city where it is hardly ever below freezing weather, then you aren’t going to be too concerned with problems such as ice and hail.
You are going to want to make sure that you have insurance to cover any Roof damage that is caused by hail. You are also going to want to know which steps you need to take. In this article, you will get the basics about filing a hail damage claim on your Roof.

If there has been a hail storm, you are going to want to have some professionals come over and assess the damage prior to filing the hail damage claim on your Roof.
You are going to want to make sure that you get an exact assessment, and then you will want to communicate this information with the insurance company.

As to how you do this, you will want to check with your insurance company by reading their website or placing a phone call. You may need to fax the information, or there may even be a convenient online method.

Once you have assessed the damage and your hail damage claim as been approved, you are going to be ready to have some work done. This should not be put off.
A bad Roof is bad for several different reasons. To begin with, a bad Roof costs money. It’s going to create a less efficient heating system.

You should already know that wasted energy leads to wasted money. You should also keep in mind that a bad Roof seldom stays in the same state. Normally, it just gets worse and worse. This means that you have to have the Roof repaired as quickly as possible.

When you make that hail damage claim on your Roof, you are going to want to make sure that you have a service that you can trust come over to look at it.

It’s essential that this service will do the work the right away first time through. You are probably aware that bad work will lead to more work. You will want to make sure that the company you use is local and dedicated to the customers they have in the community.

Written by trustone3

Roof Hail Damage – 3 Tips To Help Get Your Roof Repaired or Replaced

Roof Hail Damage – 3 Tips To Help Get Your Roof Repaired or Replaced

Hail stones are made up of solid ice, and can vary in size from 5 mm to as large as 5.9 inches. Coupled with the speed with which they fall, which approaches terminal velocity in some cases, hail stones can pack a pretty devastating punch – a punch that can damage your Roof, and damage it badly.

Here we present you with three tips that should help you deal with Roof hail damage and getting your Roof repaired or replaced.

Inspecting for Roof Hail Damage
When you inspect for hail damage, you should first start from the inside. If you see drips or water stains on the inside of the Roofs, or on the walls, you have a higher priority task at hand. If ignored, this can cause permanent damage to your Roof, and result in the Roof having to be torn down for a replacement Roof.
The second step is to look on the outside, and look for dents on your shingles. Most of the times, even dents are covered under insurance protection, so making a visible Roof inspection is doubly important.

Get an Independent Opinion on Hail Damage
A hail damage Roof is usually inspected by a representative of the insurance company who is called an adjuster. You are well advised to get an opinion from an independent professional too.

Most Roofing companies will provide an estimate of the damage for free, so you should not hesitate in calling your Roofing company whenever your Roof has been damaged by hail.
The best case scenario is that the estimates made by the adjuster and the Roofer match, in which case the insurance claim will be expedited.

Use The Right Roofing Material
When constructing or repairing the Roof, you should use a material that can take the damage from hail.
If your Roof is installed with Roof shingles, they should be reinforced with fiberglass or organic material. Rubber is quite a good material to cover your Roof with; it is mechanically screwed to the Roof.

Then there is gravel, the rock that can cut hail. Gravel will take all damage from hail stones and won’t crack or break. One thing you can avoid is PVC Roofs. PVC is seen to crack under hail storms, which comes from it being brittle.

Most insurance companies will issue a check directly to the Roofer. To make sure that your Roofer does the repairs that the insurance company has agreed to, you should get the information about the claim in writing from the insurance company as well as the Roofer.

 

Written by trustone3

Roof Hail Damage: What Should You Do?

Roof Hail Damage: What Should You Do?

There is a very good chance you may need an inspection for Roof hail damage at some point if you live in Texas.

Thunderstorms are a common occurrence in Texas as well as many other heartland states. These storms are often violent and cause massive property damage from wind, lightning, and hail. We often think of tornadoes as being the most destructive part of a storm; however, tornadoes usually only destroy a few dozen structures before dissipating. One hail storm, on the other hand, often strikes thousands of homes when it passes over a large urban area. Sometimes Roof hail damage is noticeable from the ground, but most of the time a Roof inspection is required to determine if damage is present. If your home has been struck by hail, you will need to have an initial inspection, call the insurance company, and select a Roofing contractor to do the necessary work.

When hail strikes an asphalt shingle Roof, it usually loosens the protective granules and creates a soft spot the size of the hail stone. There is a fiberglass reinforcing mat in the shingle. The soft spot happens because the mat has been crushed in this particular spot. Usually the damaged area is sunken in like a crater. These sunken areas are sometimes called “bruises.” If the hail was large, the impacted areas will be very visible from the Roof level. The bruises will be less visible if the hail was smaller in size. Smaller hail can still cause soft spots that weaken the shingles even if they are not visible from ground level. Hail damaged shingles do not always leak initially because they are double coursed and have felt underlayment. The damage will, however, cause the Roof to deteriorate faster and start to leak.

You will need to have a Roof top inspection to determine the extent of the damage. It is best to have a good Roofing contractor inspect the Roof for you to determine if you have hail damage. Your Roofer can tell you if the damage is severe enough to file an insurance claim. You should call your insurance company when the damage has been confirmed by your Roofer. You will be issued a claim number, and an adjuster will be assigned to the claim.

The insurance adjuster will often use chalk to draw a ten foot by ten foot square on your Roof. Insurance companies look for the amount of hail “hits” within that square to determine if the whole Roof should be replaced. Replacement is usually necessary if the amount of hits is between five and ten per one hundred square feet. If the amount of damage is borderline, you may want to have your Roofer present when the adjuster arrives. The Roofer can show the damaged areas to the adjuster and represent your case. If the Roof is totaled, the adjuster will measure the Roof and calculate the replacement cost based on the insurance company’s price structure. Initially, you will be issued a partial payment. The balance will be held until the Roof is complete and the invoice has been turned in.

The best approach to replacing a hail damaged Roof is to find a Roofer that you feel comfortable with, and work with him from the very beginning. Have the Roofer make the initial inspection and meet with the adjuster if necessary. Your Roofer also needs to review the adjuster’s report to see if everything is correct. He can determine if the measurements agree and if the insurance company is paying enough money for a good job. There is no need to take competitive bids on an insurance Roof replacement. If you take a bid that is lower than what the insurance company is willing to pay, they will lower the amount of the claim to your low bid. You will be leaving money on the table that should be spent on getting a quality job from your quality Roofer. Most Roofers will work with insurance companies. Find the Roofer you like, and stay with them through the whole process. You will most likely end up with enough funds for the best quality Roof.

 

Written by trustone3

Roof Repair: Cleaning Up After a Storm

Roof Repair: Cleaning Up After a Storm

If you are in need of Roof repair after a big storm, many other houses in the area will likely have the same need. There are times when the wind and the elements are just so intense that they tear the shingles right off of your home.
If this were to happen, you would need to promptly get it repaired so you can continue to have sufficient protection for your home. Fixing up those spots will also prevent further damage to an already reeling home.
Look at all of the different options you have and make the best decision possible to get the work done.

If you are in need of Roof repair because of a storm, you may want to consult your insurance company to make sure that you are covered. If do have coverage, it would make the most sense to try and get the best contractor and materials available for the work.
This way, you use your insurance and will get a warranty of some sort for the work you are having done. Whoever you do decide to work with, make sure they will accept insurance and offer you the best chance to get the work done the way that you need it.

You may be looking at a way to get the work done on your own in a different manner. You may be looking to perform the Roof repair yourself. This may be simple, or it could be a hard project to undertake.
You need to know the level of the damage as well as how to place the shingles and what the proper tools you will need are.
You will also need to have these tools and the materials required to get the project done. Also, make sure you are getting the best materials on the market to take the best care of your house.

You need to compare overall costs of the Roof repair. This means you will need to look at how much it will be to bring in a professional to do the work, versus doing it on your own and getting all of the tools and supplies you will need.
Also, do not forget to account for the amount of time you will need to learn how to do the work. So many people choose to hire a professional since they will be able to perform the best work, provide the best possible service, and have access to all the necessary materials to protect your home.

Once you have made a decision, hire the contractor to do the Roof repair. Make sure you know what you are getting and that you are doing the best job possible to make sure that you maintain the cover.
This way you will know you have done all you can and feel confident and secure in what you have and how well it will work for you.

 

Written by trustone3

Handling Roof Repair After a Thunderstorm

Handling Roof Repair After a Thunderstorm

Hard thunder storms could cause lots of damage to your Roof so it is important that you examine it without delay following a thunderstorm to be able to make certain that destruction has not been done.
Don’t forget, this is the part of your house that protects both you and your property from all the devastation brought on by nature. It is an important part of your home as it not only safeguards your property but also gives it a pleasing appearance.

Here are a few Roofing tips that you can stick to following a storm:

Need for Short-term Remedy

Straight away following a thunderstorm, make sure you examine the top of the house and spot the areas that have been ruined. Unless you are an engineer or a specialist with proper skills, do not try to repair the damages all by yourself.
Don’t forget above everything else, it is the house and personal belonging that are at risk. If you do not fix the damages at the proper time and correctly, you may end up with extensive destruction to home and furniture.

Short-term Roof mend is a must to ensure that the house is well-protected and that you prevent further damage until you can get the right individual to fix it permanently. The important thing is to cover all of the holes first. Once that is done, you can hire a excellent technician for more long term remedy.

The Best Fixes

An effective way to repair one after a thunderstorm is by laying a tarpaulin sheet or waterpRoof material on the leaking Roof. This makes sure that there are no leakages occurring.
Make sure you do this very carefully looking for the help of other members of your household. Cover it snugly so that blowing wind doesn’t enter your house. Once you cover firmly using the sheet, safe guard the ends by tying them utilizing ropes and nails. This will close off all of the holes and stop any more water and air from entering your house.

Once you are done with this, contact an authority who is well-skilled in Roofing to make long term repairs. This should help you stop costly harm later on and your preliminary assessment and fix might not help the Roof withstand the next storm.
The area that you live in may play a vital role in your search for a great company, because the area may only house a few qualified contractors and you may have a problem finding one, but you should look at online to find ones in your area that are qualified and compare them.

 

Written by trustone3

Roof Repair: Don’t Wait Until After A Storm

Roof Repair: Don’t Wait Until After A Storm

Hurricane Irene left many people along the east coast without a home and many more facing high costs for repair and rebuilding of their homes. Before a storm people tend to focus on boarding up windows and gathering belongings, but many people neglect to check their Roof for any weak spots. Unfortunately, many people have returned to their homes after the storm to learn a very valuable lesson: always check the integrity of your Roof before a major storm.

Preparation Is Key

In general, many people go months or years without ever checking their Roof to ensure it is in good working order. People tend to wait until they see a problem or experience a leak before checking their Roof. Routine Roof inspection and maintenance can save you money in the long run in preventable repairs.

Inspection and maintenance before a storm can protect the Roof and home from avoidable damage and costly repairs. Additionally, your insurance company may not approve a claim if they deem that preventative maintenance could have protected the Roof from damage and saved money. Before ending up with the bill for unnecessary Roof repairs, make sure your Roof is prepared for a weather event by:

Routine Inspections. A good rule of thumb is to inspect your Roof every 6 to 12 months regardless of any weather events. You can inspect the Roof yourself, looking for missing or damaged Roof materials. Typically, missing or damaged Roof materials can be repaired easily by a homeowner. However, if there is a significant portion missing or damaged, it is a good idea to call in a professional Roof contractor.

*Always have your Roof inspected by a professional before a may weather event.

*Obtain a copy of the inspection report to show your insurance company, in the event you need to file a claim.

Get in touch with your insurance company. Many homeowners do not know the specifics of what is and is not covered in their policies. It is a good idea to contact your insurance company before a major storm to ask about your coverage. You may be able to purchase additional coverage or get advice on how to protect your home during a storm.

* Ask your insurance provider about any maintenance requirements or exclusionary clauses prior to filing a claim

* Find out what documentation will be needed in order to process any potential claims.

Take pictures. Whenever you are dealing with an insurance company, the more pRoof you have the smoother the claims process. Paperwork that documents any Roof repair or replacement may be required by your insurance company in order to process a claim. It is important that you have evidence of what the home and Roof looked like prior to the storm in order to support your insurance claim.

* Always keep copies of repair work, inspection reports and Roof warranty information on hand when filing a claim with your insurance company.

* Take before and after pictures of your Roof to submit along with your claim.

Don’t be left empty handed after a storm, get the most from your insurance company by being prepared. When unfortunate events devastate our neighborhood, there is no reason to end up in debt over repair costs. Homeowners insurance is a helpful resource for home protection, but you have to ensure you have done your part to protect your home and family.

 

Written by trustone3

What You Need to Know About Hail Damage Roof Repairs

What You Need to Know About Hail Damage Roof Repairs

Hail damage of Roof is quite common than what most people think. Taking some proactive steps will help protect your Roof against damage and will help you save considerable amount on your Roof repair, if you own a home. You will not only ensure that your Roof lasts longer but also have less Roof repair expenses as well, if you take definitive steps to lessen the effects of the frozen balls on your Roof. Investing in hail resistive Roofing materials would be advisable and prevent hail damage of Roof.

Hail storms in the recent times have produced baseball sized hail and this will help you judge the seriousness of the matter. Roofs of residential properties in major cities as well as the suburbs have been extensively damaged due to this. You can very well imagine the degree of damage that the hail of this size can cause to your Roof. Hail damage of Roof would be more if it is made of asphalt shingles.

Hail damage of Roof – Inspection tips

You can determine the extent of the damage by doing a Roof top inspection. A thorough inspection of the Roof can be best done by a good Roofing contractor. After inspection they would be able to identify and remedy the Roofing problem that has been caused by hail. Signs of damage to Roof are most visible at the down spouts and you would need to inspect them carefully. If the damage is severe you would be able to file an insurance claim and the extent of the damage can be determined by the Roofing professional. After the Roofer has confirmed the extent of damage of Roof, you would be able to file an insurance claim. You will be assigned an adjuster to the claim after a claim number has been issued to you.

Hail damage of RoofRoofing materials

There are various types of Roofing materials that are available for preventing hail damage of Roof and it would be best to research their effectiveness. For instance when asphalt shingles are reinforced they are more effective at preventing hail damage. There will be minimal damage from hail if metal Roofs are used although they can be dented. Roofs that are durable and heavy and can last for more than 100 years are made of slate.

Impact resistant Roofing material needs to be installed as it is less likely that such Roofing material will be damaged by hail. The Roofing material you choose should preferably have UL 2218 standard and this would mean that the material has undergone testing for susceptibility for damage by Underwriters Laboratory

Drain downspouts around the house should also be looked at and a visible sign of hail damage of Roof would be the high concentration of black mineral deposits around the downspouts.

The gutters also need to be checked and there is a good chance that the shingles are also damaged, if the metal gutters have dents or dings from the hail.

Signs of a leak can also be ascertained by inspecting the ceilings in your home. The presence of moisture and discolored patches or holes in the ceiling is evidence of a leak in your home.

Check the shingles by climbing on the roof. Small dimple in a few shingles are some of the subtle signs that you will observe. A specialist can be called to thoroughly inspect the shingles for you, if you suspect hail damage of roof.

 

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