Written by trustone3

Some Useful Tips About How To Repair Roof Storm Damage


Some Useful Tips About How To Repair Roof Storm Damage

Roof storm damage is a common occurrence where storms occur regularly. Roofs are made to bear the savagery of storms, as they are fully exposed and most vulnerable parts of any building. The best quality building materials and superior Roofing technologies are not enough to completely resist damages caused by storms. Statistics prove that storms are the biggest Roof wreckers, even more than what snow, showers, decay and hail can do.

Using highly durable materials while installing the Roof can help prevent Roof storm damage in most cases. But heavy storms take their toll every year, making the situation physically and financially harmful to the owner. So it is very essential that you keep repairing Roof storm damage expenses at the minimum without compromising on safety and quality. A sincere Roof repairing company would definitely help you cut recurring costs and headaches.

Please do not rush out while the storm is raging, but wait for it to pass away completely and then do a reality check on the condition of your Roof. There are people who come around just after a storm has passed and offer to repair your Roof. Never employ such people and enlist the services of only established Roof repair contractors to do the job. A thorough evaluation of the Roof including the ventilation is required now. If a minute point is overlooked now, you may be forced to regret the folly later.

Roof storm damage repair is an emergency requirement that you cannot put off for another day. Otherwise, the damaged Roof would keep you awake through the night. Another important fact is that unless repaired quickly, the next storm, which you cannot predict, might take off with your entire Roof. The Roofs may leak uncontrollably too. Always keep in mind that Roofs, with all its fragility and exposure, are the real sentinels of your house and belongings.

Temporary installations like waterpRoof tarpaulin and reinforcing destroyed parts may be helpful in the short term, but for long term service, you need to employ professionals in the field and repair storm damage immediately with their help. This only would ensure that your Roof survives the next storm.

Written by trustone3

Hail Damage Insurance Claims

Hail Damage Insurance Claims

When a homeowner gets a home they will put homeowner’s insurance on the home. Check to make sure that hail damage is covered. Many times it is easier to file a claim for hail damage than it is to be compensated for the damage or to have the damage fixed. If there was a big hail storm or the hail was large you should have a professional come to inspect your Roof to see if there is any damage.

Hail can cause extensive damage to your home, especially your Roof. It can also cause damage to the exterior of your home. If you do not have your Roof inspected after a hail storm you could start to notice leaks in your ceilings when it rains, there could even be electrical issues or insulation failure. Any hail damage you see you should immediately file a claim with your insurance company so repairs can be done before any further damage is done to the home.

When the inspector comes to do an estimate on the hail damage they should have experience in this area so that when they inspect the Roof they will know what damage has been caused by hail and what occurred from other things. It is often a good idea to hire your own inspector because some insurance companies will deny many claim even if they are legitimate claims. When hiring your own inspector you should compare the two damage reports to see if they match or even close to being the same amount. The report from an external inspector may show that there are tiny holes in your Roof that could lead to the deterioration of the Roof but the inspector from the insurance company may have not seen or just did not include them on his report because they did not think it was relevant.

If your hail damage claim is denied contact your insurance company and find out why they denied the claim. It could be that there was no documentation to collaborate a claim. They may also state that the damage was caused by something other than the recent hail storm, or if the policy was started or renewed within a short time of the damage they may refuse to pay or if the claim adjuster does not see any actual damage. You can accept what the insurance company claims they owe or you can start looking for an attorney who will work hard to get the insurance company to pay the claim. When hiring an attorney make sure that they are knowledgeable in this area and know how to get your claim approved.

 

Written by trustone3

Roof Hail Damage – 4 Tips for Homeowners

Roof Hail Damage – 4 Tips for Homeowners

The storm has come and gone, did your home suffer any Roof hail damage? Hail storms are capable of producing hailstones up to 6″ in diameter. These balls of ice fall from the sky with no regard to your Roof. The larger a hailstone is, the faster it will fall, potentially causing more damage to your home.

Many factors play into how much damage a hail stone may cause. Size of the hail, wind speed and direction are only a few pieces of the puzzle. The age of your Roof’s shingles, the type of shingles and if your shingles are “impact-resistant” can all factor in to the severity of your Roof hail damage.

Damage to your Roof’s shingles can compromise the effective life of your Roof and even if not immediately visible, may lead to large scale problems if not identified in a timely manner. Here are a few tips which will help you properly identify Roof hail damage.

Tip #1: Is there any visible damage on the inside of your home? If you see water stains or slow drips on the inside of your home, then you have a problem which requires immediate attention. A new water stain on your ceiling is most definitely a sign that your Roof was compromised. If left untreated, the problem will worsen leading to further damage which may require a complete tear-off of your existing Roof, not to mention repairs to the interior of your home.

Tip #2 Are there any visible dents (blisters) on your Roof’s shingles? Just because you don’t see any damage to the inside of your home does not mean your Roof was not damaged. When there is no visible damage to the inside of your home, it may provide a false sense of security. By neglecting exterior damage, you run the risk of damage to your home in the months to come. Even worse is if you don’t file an insurance claim within the time guidelines stipulated in your homeowner’s insurance policy, you may lose benefits that you are entitled to now.

Identifying shingle blisters requires a visible inspection of your Roof. Sometimes blisters may be hard to see. It can be helpful to look for small dings on metal or aluminum vents, downspouts or gutters. It is typically easier to identify these marks than blisters on your shingles. If you believe you have visible evidence of damage, it is suggested that you contact your insurance agent immediately to express your concerns and to find out what your policy covers and the procedures necessary to file an insurance claim.

Tip #3 Get your own independent professional opinion. There’s no denying when a hail storm has blown through town. The National Weather Service records all storm data. If there is knowledge of a storm, and you contact your insurance company, they will most likely dispatch an adjuster. That adjuster represents your insurance company. His job is to identify damage, assess the cost to repair or replace your Roof and make sure all of the paperwork is in order to process a claim.

It is suggested that you contact a local Roofing company that is trained in Roof hail damage for an independent opinion prior to your insurance adjustor performing their inspection. Your Roofing company is capable of representing your interests. They should be willing to provide you an inspection and estimate to repair any damages free of charge. More importantly, they should be willing to back up their estimate and make themselves available for mutual consultation with the insurance adjuster. If the adjuster and Roofer can agree on the remedy for the damage and the cost, this can expedite the process. In most cases your Roofer will be awarded the repair job.

Tip #4 Get It In Writing. Most insurance companies will only issue a check directly to the Roofer. This protects the insurance company from the homeowner “pocketing” the proceeds and never repairing the damage. By getting your Roofing contractor to agree to the type of repairs to be performed and the costs involved, this will insure that your Roof gets the required repairs. If your Roofer agrees that the insurance check is sufficient to repair your Roof hail damage, then they should be willing to do the repairs for that cost, nothing more.

Roof replacement or repair due to hail damage can be one of the most expensive repairs for homeowners and insurance companies. Making sure that you properly identify Roof hail damage in a timely basis, and following the proper procedures will help protect your family’s most important asset, your home.

In summary home owners who think they may have suffered storm damage should:

Look for visible water damage inside your home.
Look for damage to your Roof’s shingles that may compromise the effective life of your Roof.
If necessary, contact your insurance agent and file a claim.
Consult a local Roofing contractor trained in Roof Hail Damage to represent your interests.

 

Written by trustone3

Checking Your Roof for Hail Damage

Checking Your Roof for Hail Damage

When the seasons change, there comes the change in the weather. With the summer and spring comes heavy rains, and sometimes there is a sudden drop in the temperature and hail is formed. Hail can be an amazing feat of nature, but it can also be one of the worst things it created because hail can rain down from the sky and cause a lot of damage to homes and cars. Every year, insurance companies pay homeowners and car owners thousands of dollars in insurance damage claims. Have you had a hailstorm lately and you are wondering if your Roof was damaged? Here are some tips on how to check your Roof for hail damage.

Where to begin

Grab your ladder and when you get up on the Roof, the first thing you check is the drain downspouts. A sign of Roof damage may be deposits of black mineral around the downspouts.

Gutters

Hail is basically small rocks falling from the sky, so if you take a close look at your gutters you will see noticeable dings from the hail. This may be the first sign that the last hailstorm might have damaged other parts of the Roof as well.

Check your yard

If the storm was bad, there may have been high winds along with the hail. Once the storm is gone, or the next morning, go outside and see what is in your yard. There may be debris in your yard like tree branches, but is that all? Do you notice if there are any shingles in the yard? If the wind was bad enough to knock shingles off of the Roof and hail was able to hit exposed Roof, then this is a definite sign that your Roof might have hail damage.

Ceilings

If the Roof is damaged, you may see water stains on your ceiling or you may even find a leak.

Shingles

If you have a Roof that is covered with wooden shingles, you need to take a close look at them. There may be spots or dimples in the wood that came from the hail striking the wood.

Talk to your neighbors

How close are you to the people in your neighborhood? This may be a good time to introduce yourself because they might be in the same boat as you. However, everyone has a busy life, so you might not be able to talk to them. If you notice that the people in your neighborhood are having their Roofs inspected or even repaired, this may be a clear sign that the storm and the hail were bad enough to damage the Roof.

Hail is frozen pieces of rain that fall from the sky during the spring and summer seasons. Hail can be really neat because it can come in a variety of shapes and sizes, but falling hail can also cause a lot of damage to your home. If you recently had a hailstorm, you might want to contact a Roofer for a free inspection to see if you have any hail damage.

 

Written by trustone3

Roof Insurance Claim Process – Easy Steps Worth Considering

Roof Insurance Claim Process – Easy Steps Worth Considering

The Roof is a vital part of every building. It suffers from harsh weather, such as hail, storm, rain, snow and much more. When Roof needs big repairs or replacements, it is necessary to get ‘Insurance Claim.’ Roof Insurance Claim Process seems to be a daunting task at first because you do not know from where to start. There are possibilities of confusion in the complete process, such as whom to call first a Roof contractor or Insurance Company. However, it is important to get accurate information about the process of an insurance claim to avoid any kind of hassles and to get the maximum claim amount from the Insurance Company.

Here are the steps to follow to get insurance claim

Step 1

Detecting the cause of Roof damage is often difficult. When you consult Insurance Company, the experts of the company visit your place and analyze the cause of the damage. You can schedule the appointment with the adjuster according to your convenience.

Step 2

The adjuster of the Insurance Company will tell clearly, if the claim can be filed or not. After the assessment by the adjuster is done, within a few days they will send an overview of damages and the first claim check. This check is half the amount of the replacement and the repair of the Roof.

Step 3

The final payment will be made after the process of analyzing the Roof damages is accomplished. The insurance company and the Roofing contractor analyze the damaged Roof properly and claim will be made accordingly.

Step 4

After getting estimate of the damaged Roof repair cost, the Roofing Company reviews the inspection reports and handle the negotiation on your behalf.

Different Insurance Companies may handle the claim process in dissimilar ways. However, it is vital to ask relevant questions to the adjustors of the Insurance Company to clear your doubts. Also, you must make sure that the they minimizes your efforts and help you in providing all possible Roof damage claims. After the process of insurance claim gets over and new Roof is installed, ensure to provide timely maintenance.

The process of getting a Roof insurance claim is quite difficult and full of hassles. But, it is important to get a precise knowledge of the claims. Many insurance companies will confuse you and offer less insurance coverage, so it is vital to look all the factors when going to take insurance claim of your Roof damage.

 

Written by trustone3

How to File a Roofing Insurance Claim

How to File a Roofing Insurance Claim

Insurance Claims Are Intimidating

Dealing with insurance claims can be intimidating. That’s usually because you really aren’t sure where to start. Do you call your agent first? Do you call a Roofing contractor? What can you and can’t you sign? So many questions that need answers. Let’s dig in and see if we can’t clear away some of the clouds.

Do you know where your homeowner’s policy is located? If you’ll pull that out, we can start by identifying whether or not there’s a claim phone number for you to call. After you’ve identified the claim number, you’ll want to look through your policy to find out how much your Roof deductible is going to cost you.

Find Out How Much Your Roof Deductible Will Be

Many policies have separate policies for wind and hail damage to your Roof. For example, a claim filed because of a hail storm would have a different deductible than a claim filed for a slab leak. You’ll have to look through your paperwork to find out. Look for the words “storm” or “hail” or “wind” deductible.

Not that your Roof deductible should matter, but the truth of the matter is that it does matter. If you’re deductible is 5% and your home’s value is $350,000.00, you’ll be stuck with a $17,500.00 deductible. While it is possible that your Roof could cost more than $17,500.00, it is unlikely that you’ll realize much benefit from filing the claim unless you have an extremely expensive Roofing product like slate, stone-coated steel, aluminum, slate or a heavy shake wood Roof.

Call Your Local Insurance Agent

Once you’ve identified whether or not you want to push forward based on your homeowner’s deductible, you’ll want to call your local insurance agent and let them know what happened. Did you have a hail storm? Are there shingles that were blown off your Roof? Tell your agent exactly what happened and give them the date of loss. That’s important because they’ll be passing this information along to your insurance adjuster who will come out and inspect the damage before writing up the claim and cutting a check.

Schedule With Your Insurance Adjuster

You’ll most likely have to wait 24-48 hours for their insurance adjuster to call you. Most of the major insurance companies will either have local claim adjusters available or they’ll bring in catastrophic crews to help out in a major storm event. When the adjuster calls, ask for them to visit on a day and at a time when you’ll be home. It is always a good idea to make your own list of damaged property in advance of your adjuster’s visit. You may also want to get in touch with a good local Roofing company to help represent your best interests with the insurance company. Together, your Roofing contractor and your insurance adjuster will develop an estimate of damages.You can avoid Roofing scams by doing your homework first.

 

Written by trustone3

Hail Damaged Roof – Professional Tips That Will Save You Time And Money

Hail Damaged Roof – Professional Tips That Will Save You Time And Money

Roof damage due to hail is quite common. If you too own a home, you can save a considerable amount on your Roof repair by taking some proactive steps to protect your Roof against hail damage.
By taking definitive steps to mitigate the affect of these frozen balls of precipitation on your Roof, you not only ensure longer life of your Roof but lesser Roof repair expenses as well. For instance, it will be a good idea to invest in hail resistive Roofing materials.

To help you judge the seriousness of matter you should know that in the recent times, hail storms have produced baseball-sized hail.

These have already caused extensive damage to Roofs of residential properties in major cities as well as the suburbs. Given the size of the hail, you can easily imagine the degree of damage that they can cause to your Roof, especially if it is made of asphalt shingles.

It loosens the protective granular surface of the shingles and makes them highly susceptible to cracking and breaking.
Unless you remove the hail from your Roof almost immediately after the storm has ended there is a high chance that your Roof will also show signs of water seepage.
This in turn can lead to dampness, leaking Roofs and discoloration of the ceiling and the attic.

In order to fix the hail damage caused to your Roof, call a professional Roofing contractor in your area to do a thorough inspection and identify and remedy any Roofing problem caused by hail.
The down spouts are most likely to be show signs of hail damage. Hence inspect them more carefully. If you see any dings in gutters, you need to ascertain the extent of hail damage caused to them and fix it.

In case your Roof has undergone serious wear and tear due to a hail storm, you can file a claim with your homeowners’ insurance provider to recover the amount that you will end up paying for Roof repair or replacement.

If you install a Class IV hail resistant Roof in your home, you can not only restrict the degree of hail damage to your Roof but also lower your home insurance premium significantly.
As for repairing Roof hail damage, it is strongly recommended that you contact certified contractors who know their job inside out.

 

Written by trustone3

How to Identify and Repair a Hail Damaged Roof

How to Identify and Repair a Hail Damaged Roof

Being professional Roofing contractors we know all too well the damage hailstorms can do. Hailstorms produce balls of ice ranging in size from a few centimeters up to nearly 6″ in diameter. A 6″ piece of hail is pretty rare, and would certainly do major damage to your home, but even the more common, smaller hail frequently does enough damage to Roofs and Siding to require major repair work.

Hail damage is not always easy to detect, especially if you have a two or three story home and cannot easily access your Roof. Hail damage can leave your home exposed to potential water damage as well as limiting the lifespan of your Roof. Because of this you should identify and deal with damage as soon as you can. If you wait too long you may also be denied by your insurance company when you finally get around to filing a claim for the repairs. Have there recently been any hail storms in your area? Do you suspect your home may have been damaged? The following steps will help you determine if there was any damage and outline the steps to getting it repaired.

Step One: Check around the exterior of your home for visible damage. Look for things like freshly damaged paint or dents in the Siding. If you are able to safely access your Roof, look for missing shingles or shingles with blisters or dents. Also, check for dings and dents in your gutters and downspouts.

Step Two: Check inside your home for visible damage. New water stains on your ceiling or running down your walls is a problem that needs to be immediately addressed! If you don’t fix a Roof leak in a timely fashion you could end up having to completely replace your Roof, in addition to major repairs do to water leaking into your home.

Step Three: Contact your insurance agent right away and make sure they are aware of the damage. They will probably have one of their adjusters out to evaluate your home and prepare a cost estimate for the repairs.

Step Four: Contact your own local Roofing contractor for an independent evaluation. Even if you trust your insurance agent and their adjuster, you should always get a second opinion from a Roofing contractor you trust. Because they don’t work for the insurance company they should be less biased in their assessment. Usually the Roofing contractor you contact will be willing to communicate with the insurance company if there are any discrepancies in the two evaluations.

Step Five: Get everything in writing. The Roofing contractor you decide to hire should provide you with a contract detailing the work to be done and what it will cost. You insurance company should also provide you with paperwork about the details of your claim. Cover yourself by getting as much as you need to feel comfortable in writing.

It only takes a matter of minutes for a hailstorm to do an amazing amount of damage to your Roof. As soon as the storm passes begin the process of determining the damage and contacting your insurance company and Roofing contractor. If you wait too long it may be too late!

 

Written by trustone3

Roof Care After The Storm

Roof Care After The Storm

Storms are deadly. And the worst suffers are the Roofs. Immediately after the passing away of the squall a routine check of the Roof should be made. The checking should be from one end to the other without any slip up. A single hole or neglected spot might multiply later headaches. The worry will spill over from the Roof to the furniture and furnishings. So the matter is not being ignored at all.

It is not always that a skilled hand in Roof matters is at hand – especially following the aftermath of a disaster. So the owner of the house should have some first hand knowledge of Roof treatment even though he or she is not a trained carpenter or engineer. There is no guarantee that another storm will not follow. So the minor first aid is not to be trifled with. If the Roof is left unattended then further damage will spell more monetary loss. That apart – with everything is entwined the concern of the householder for the family’s welfare and the guarding of them from the wrath of Nature.

So after noting down the weak points it is time to roll up shirtsleeves and get down to work. The first thing that needs attention is the not-so-humble hole. Immediately plug these. It is not just that water and blast can get into the house but cold or hot air may get out. It will tell on high electricity bills that are not worth the pleasures of stargazing from the settee.

The first thing to do is to spread tarpaulin or any sort of waterpRoof canvas that is available, over the entire Roof. It is better to spread it outside than inside to allow for water to drain off. This spreading work cannot be done single-handed. Take help of family members or friends. The ends must be tightly fixed so that next huffing and puffing will not blow the sheet off together with the old damaged Roof. Use ropes and nails for this.

Another alternative is to climb up to the Roof and seal the holes with Roof sealant chemical. Always be careful about safety rules as regards – ladders, ropes and human support to avoid accidents.

After completing these temporary measures it is time to locate the expert contractor or carpenter. It may entail expenses but in the long run it will pay – in terms of money and peace of mind. Roof repair work done temporarily can never replace the permanent magic touch of the professional. Storms are challenges thrown by Nature. We must take it up and win the game.

 

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.

 

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