Monthly Archives - June 2017

Roofing Insurance Claims for Storm Damage

 

 

roofing Insurance Claims for Storm Damage

As homeowners, we are vulnerable to mother nature every day. When misfortune lands at our doorstep or, in this case, our rooftop, we can be thankful for insurance coverage and the availability of roofing insurance claims for storm damage. When purchasing insurance, it is always advisable to check with your insurance agent about your policy’s coverage as it relates to roofing insurance claims storm damage.

If you live in an area where storms, especially those known to create a lot of damage, occur frequently, ask your agent to explain exactly what is covered in the event of a loss. For instance, if you live in an area that is known for hurricanes, tornadoes or flooding, these are all factors that could cause major damage and the policy regarding roofing insurance claims for storm damage needs to be clearly defined. At times, there are reports of individuals who suffer extensive storm damage to their home only to learn that their policy did not cover roofing insurance claims for storm damage. There is no doubt that storm damage can cause a lot of problems with your roof in particular, so it’s extremely important to make sure your insurance policy covers any problems that may arise in the event that the unexpected should occur.

When you think about it, our roof is the only thing that protects us from rain, snow, sleet or, in the worst case, a natural disaster. It is expected that, at some point, our roof will be in need of repair. Our roof is essential to a home because, without it, we would be left out in the rain – literally.

If your roof is damaged during a storm, the first thing to do is contact your insurance agent. You will need to ask about their policy regarding the filing of roofing insurance claims for storm damage. Your agent will then advise you in proper procedures and deadlines. Explain to your agent, in detail, exactly what damage was caused and the date of the occurrence. If your roof is leaking, it will need to be repaired or replaced immediately to avoid further damage to the interior of your home. It’s important to inform your agent of any repairs that need to be made without delay. This information is crucial in the processing of roofing insurance claims for storm damage.

After the initial contact with your insurance agent, you should receive a letter or telephone call from their department, which handles roofing insurance claims for storm damage. Following that, an adjuster will likely contact you. In most instances, the adjuster will want to see the damage, take photographs of the loss and will provide the insurance company with an estimate on the cost of repair or replacement. It is not advisable to sign a contract or make any agreements until your hear from your insurance agent. The adjuster may, however, provide you with an estimate on the cost to repair any damage that your roof has sustained during a storm.

Once you receive an estimate from your insurance company, you may begin the process of contracting the work out to a professional. If you choose to hire a professional, ask them to provide you with a projected cost once they have reviewed the damage. During your initial conversation, explain that the funds will come from your insurance company’s claims department, which handles the payment of roofing insurance claims for storm damage. Provide the projected cost information to your insurance company for processing. Depending on the company’s policy, the funds may be paid upfront or after the job is complete. If the money is held until completion, have an invoice sent to the insurance agent for final payment.

 

Roof Restoration – The Secret Tips You Would Love To Know

 

 

roof Restoration – The Secret Tips You Would Love To Know

 

Perhaps one of the most underestimated (and undervalued even) parts of your house is your roof. People often get into the wrongful habit of undermining the potential requirements of roof restoration in the house. This is a must for all the house owners with absolutely no exceptions.
Without the roof there is no shelter for you from rain and storm. It is what gives you the shade during sunny days and warmth on cold nights. So the roofs have to be perfectly maintained at regular periods of time.

First of all you would want to know the kind of roof you have. By this I mean the material of which the roof is constructed, the last time it has undergone maintenance, the age of your roof, etc. Though this work seems quite trivial, it is in fact extremely essential to carry out the actual restoration. Without all this information you would not be able to calibrate your roof restoration task at all.

Apart from the fact that a well maintained roof adds to the aesthetics of your house, it is also primarily responsible for ensuring the longevity of your roof.

So let us get started with some of the basic but important tips that most people are likely to not think of. Let us unveil the secret tips that most people overlook and in effect are responsible for the premature demise of their roofs!
The first thing you need to realize is that no matter how simple the roof restoration job looks, it is best if you let the professionals handle it. I know that most of you out there are perennial “Do It Yourself” types and it would go against your personal motto to not maintain your roof by yourself. But it is for the best of your roof that you leave the job to the experts. There are plenty or roof maintenance professional services out there and it would do you a lot of good to avail their services.

While selecting the professional services, however, be extremely careful that you are engaging the services of a well reputed firm. Also get to know the exact nature of your job, because you might not need complete roof maintenance but only a partial restoration.
In that case get to know the various fees applicable for the kind of work that you require. It is also good if you have the right set of tools handy as you might save some inventory costs too.

 

What Happens To Your Roof During A Hail Storm

 

 

What Happens To Your roof During A Hail Storm

While hail related weather can occur anywhere across the country, the central states have the greatest risk for more frequent, severe hail storms that have the potential for causing serious property damage.

Texas ranks among those high-risk states, and Frisco residents are certainly familiar with the unfortunate roof damage that often results from frequent and severe hail.

Hail comes in all sizes, ranging from pea-sized stones to mammoth balls of ice measuring up to eight-inches in diameter. Although record-breaking hail is uncommon, even the smallest hailstone can cause damage to asphalt shingles.

Stones that measure one-inch in diameter (about the size of a quarter) are considered severe, and homeowners need to be aware of possible roof problems in the wake of these unfortunate storms. While some damage will be evident right away, a professional inspection done by roofing contractors in Frisco, TX will often reveal less visible issues that are easily overlooked by the untrained eye.

asphalt Shingles & Hail
asphalt shingles are the most common residential roofing material used today. While older asphalt shingles were manufactured using an organic base, today’s modern shingle is made using a woven fiberglass mat that is covered with a waterproof asphalt coating and a final layer of ceramic granules that provide critical protection from harmful UV rays.

Granule Loss
Granules not only provide UV protection, they also add weight, color, and dimension to your shingles. While granule loss due to aging and exposure is expected, hail storms may cause accelerated loss that will expose the asphalt coating, diminish the shingles’ water shedding ability, cause shingle cracking, and reduce the overall lifespan of your roof system.

Shingle Bruising
Larger hail and more severe storms will cause granule loss that is accompanied by bruising or fractures in the fiberglass mat. This level of damage will have a significant effect on the overall lifespan of the shingle, and its ability to shed water and protect your home. These larger hail stones can even cause shingles to tear away and fall off during the storm.

Visual Evidence of Hail Damage
While bruising and granule loss can often be visible immediately following a hail storm, it will take a close visual inspection to determine the full extent of any damage. A professional roofing contractor in Frisco, TX will perform a physical inspection to determine whether or not hail impact has resulted in extensive fractures that may require the homeowner to have a complete roof replacement.

If you believe that your roof has been damaged during a recent hail storm, we encourage you to contact a professional roofing contractor and arrange a professional inspection. Don’t wait until the next storm hits. An inspection today will ensure that your family is safe and secure for years to come.

 

Roofing Damage: Just How Bad Can Hail Storms Damage Roofs

 

 

roofing Damage: Just How Bad Can Hail Storms Damage roofs

 

The size of hail differs extensively from a marble to one that is larger than a soccer ball. The biggest to date was identified in Nebraska on June 22, 2003. It measured seven inches in diameter. Before this, the biggest that measures 5.7 inches in diameter was recovered way back in 1970 in Kansas. Obviously, you can easily expect worse damage when the hail is much larger. The strength of impact is a major aspect.

Hail storms are a significant problem in the U.S.. Aside from roof damages, they can destroy crops, dent cars and injure folks. The greatest cost of damages due to a hail storm in the U.S. was dated July 11, 1990. It occurred in Denver and the damages to properties cost $625 million.

It is challenging to determine just how much roofing damage a hail storm might do. Typically, when hail falls on a roof, it can ruin the granular surface loosening it and making it prone to future damages such as holes. It can easily result in lowering the roof’s life span however holes in the roof covering do not normally happen right away. The damages that a hail storm has actually induced might not be seen afterwards either however you will realize that there is a damage if your roof has to be repaired sooner than it should have been.

You can tell that there’s roofing damage if there are dents on the roof from where the hail impacted and spots where the granulation was removed in such a way that the asphalt is exposed. If you think that the hail storm ruined your roof, call a professional and have it inspected. If the roof is proven to be have damage caused by a hail storm, you are able to file a claim with your insurance company. Whether or not the replacement is dealt with will definitely be determined by your policy. However, keep in mind that filing a claim may cause the premium to rise and the majority of insurance companies do increase prices after damaging weather incidents like hail storms.

Furthermore, you really should be careful in choosing a roofing service provider. You could find contractors who go on every house in a spot that was affected by a hail storm providing free roofing assessments. Do not choose a roofing company unless you are certain about his trustworthiness and experience. Hail storms entice a kind of roofer known as a stormer. A stormer is someone that comes in from out of town merely because they know a significant hail storm recently came through the area. They’ll help fix your roof however won’t stick around to back the warranty. It is also not advised that you pay a service provider before a service is performed. Reserve the payments until the work is complete and the cleanup is done.

 

Damaged Roof Replacement Or Repair – Which One Should You Do

Damaged roof Replacement Or Repair – Which One Should You Do

There is no question that you need to have a roof over your head, literally. Living will become very uncomfortable if your roof is damaged, and especially so when the weather turns bad. You’ll need to get your roof replaced or repaired depending upon the circumstances. Keep in mind that damaged roof replacement can be quite costly even though it is absolutely necessary in certain circumstances.

In case you are confused about whether you should go in for damaged roof replacement or repair, the following pointers will help you make up your mind:

1. Assess the amount of damage. If it is considerable then repairs will be just as expensive as replacement. If you have a few shingles missing or the drains are broken or clogged then they can easily be repaired. However, if you see that the roof is sagging and that a large amount of mosses growing on its surface then you can be sure that the problem is severe.

2. If the damage is minimal and your homeowner’s insurance will take care of the problem then it is best to avoid replacing the roof just then.

3. Think about the potential damage if the repaired roof springs another leak a few years down the line. You might have to repaint your house earlier than the scheduled time when water seeps in causing damage. As a matter of fact, repairing a badly damaged roof can best be termed as false economy.

4. Compare bids for repair or replacement to see which one you should go with. Repairs are undeniably cheap, but they also mean that fewer quantities of material are used on the roof. If you can get the roof redone entirely at a price slightly higher than repainting it then you won’t have to worry about additional expenses for another 20 years or so.

The question of whether you need to repair or replace your damaged roof depends on when the damage occurs. If your roof is fairly new and the damage is minimal then damaged roof replacement might not be a good idea. Even so, it is best to get the problem evaluated by an expert so that it can be resolved at the earliest. You should also keep a close watch on your roof so that you can spot telltale signs of damage as soon as they occur, thereby giving you the opportunity to address the problem before it worsens.

Homeowners need to choose between damaged roof replacement and repair depending upon the nature and extent of the damage. Find out how to make the right decision to look after your roof.

 

Points To Consider Before Getting A Roof Replacement Done

Points To Consider Before Getting A roof Replacement Done

If a roof is too damaged to be repaired then a roof replacement is needed. Ignoring an issue with a roof is not a good idea because the roof is important just as the foundation is important.
If there is a leak it can grow to damage a large area as well as bringing water into the house to ruin valuables from furniture to electronics.

However, before you actually hire a team for roof replacement, there are numerous factors that need to be considered. The type of material to use, the roofing company to hire and the way you need the roof replaced are some of the factors that need careful consideration.
Some of the elements that can help in deciding include the weather conditions, your total budget and living options while the roof replacement is conducted.

Before considering roof replacement it will save money to prevent this costly damage. It is advised for home owners to check their roof at least once a year. It is usually recommended at the start of spring because winter weather can really damage a roof from heavy snow to melting ice.
Another time to check the roof is after a storm. High winds can tear shingles off a roof leaving the area unprotected. Debris can also be thrown around and could harm the roof. Finding a problem early could only lead to a repair being needed. It will save money compared to a roof replacement.

roofing company staff has been trained when it comes to roof replacement. They know how to work with all roofing materials and roof types. These experts have the tools and skills needed to handle this job. It is a job they can do quickly, but that doesn’t mean it is not quality work.
They are able to do the job properly because they have been trained and have the experience. Using a company also means there is a team working on the roof, which will help the project get done more quickly as well.

roofing experts can be contacted at the first sign of major roof damage. They will be able to assess the damage and give the home owner a diagnosis. There comes a time when all the little repairs add up to too much time and money.
That means it might be better to consider a roof replacement.
A trusted roofer will inform the homeowner if a repair would be a best bet or a roof replacement would be best. It is true that budget is a determining factor for many people when deciding to replace a roof or not.

roofers might also recommend that a repair would be best at one point because of the weather. If it is a raining or storming season or the snow and ice are falling waiting for better weather would be best because other damage might be in store during this time.
It is good to shop for the best price from a list of shortlisted roofers as that will help you envisage the best available service and the rates.

 

 

Home Improvement: Signs You Might Need a Roof Repair

Home Improvement: Signs You Might Need a roof Repair

Your roof serves a very important role, along with other exterior features, in protecting your home from the worst that Mother Nature can throw its way. But your roof can only be effective in its duties if it’s taken care of and issues or damages are taken care of quickly. Here are a few problems your roof could have that likely indicate some repairs are needed. After all, you want your roof performing at an optimal level to shield your home, right?

When there are shingles missing from your roof, the underbelly can be exposed and begin to take on water damage. Since many roofs are built from wood, shingles are one of the few lines of defense that wood has from the rain and snow that can begin to do serious damage. Shingles keep your roof from taking on the heat of the sun, too. These simple pieces are tasked with very important responsibilities, so if a few are missing from your roof after a big storm, some repairs might be necessary.

Loosened metal, such as flashing, is another problem your roof can experience and can have negative effects on its ability to keep external elements from making their way into your home. If you notice gaps in your flashing, or if the flashing has somehow come off altogether, it’s probably a good idea to call in a roof repair specialist to take care of the situation before it gets worse.

Of course, all ifs, ands, or buts of whether or not you need repairs go out the window when you detect a leak in your home. This can act as a pretty clear sign that a roof repair is necessary in the immediate future, or you’re going to risk not just doing damage to your roof, but also damaging parts of your home’s interior. A leak indicates that a part of your roof has already been compromised, meaning shingles could be missing, flashing could be out of place, or an item could have fallen and punctured your roof in some way. Chimneys can also be responsible for leaks, so keep that in mind.

These are some of the signs that your roof is in need of a repair. Keep these in mind the next time a big storm goes through your area, and if you can, take a peek at the top of your home afterwards to see if there is any visible damage. If you see something, get in touch with a local, experienced roof repair company.