Steps to Take When Your Roof Has Hail Damage
How to Handle Hail Damage to Roofs in Texas
Hail can really wreak some serious havoc on your roof and end up costing you thousands of dollars in damage. A severe hail storm struck the Phoenix area in 2010 which resulted in billions worth of dollars in property damage. The following will help you better understand what options are available to you to get your roof repaired.
File Your Insurance Claim
Hail damage to a roof is the result of a severe weather event, so your homeowners’ insurance policy should cover part of your repair costs at least. Normally, it covers 100% of your costs. You might have 30 days or up to 2 years to get your claim filed. The specifics will depend on your policy. Some policies are more flexible, which let you make your claim from the time that you first notice you have damage.
Usually, your commercial roofing contractor can help you get the paperwork filed for your claim by documenting the damage. The insurance company will send an insurance adjuster out to see the damage to your house in person. You can have a commercial roofing contractor with you who can help point out problems.
If you don’t have your commercial roofer there when the insurance adjuster inspects your roof, they may pay you less than what it costs to replace your roof. Insurance adjusters might miss problem areas, as they are not professional roofers. The program Xactimate is used by many adjusters to determine costs for replacing parts of a roof. If everything isn’t entered into the software by the adjuster that needs to be repaired then the price the insurance company will be willing to pay you is going to be a low amount.
The best way of dealing with a claim is to get your commercial roofing company to deal with it for you. Allow them to figure the headache out.
Your insurance premium usually will not increase due to a claim since your policy covers it as an “Act of God.”
Steps To Take If You Have Hail Damage
It is possible that you can have hail damage without realizing it. Hail damage doesn’t always cause immediate leaks. That can cause property owners to feel a false sense of relief. However, if hail damage is not treated, it can result in your roof failing prematurely. You can check your roof for hail damage by looking for any dented shingles, broken tiles, or holes in your metal roof or foam. It is the most difficult in diagnosing hail damage on shingles. Protective granules can be removed from the shingles by hail which is what helps to protect them against UV damage. This can significantly reduce your roof’s lifespan and you should have it fixed if your insurance pays for it. Check for granules near the water spouts.
Experienced Commercial Roof Repair Contractors
As soon as you notice any hail damage to your building’s roof, contract three different commercial roofing companies. Ask each company for a quote and potential options. If any of the prices are way out of line with the other contractors, disregard them. So if a roofing contractor is a lot cheaper compared to other companies you definitely should be skeptical. There are fly-by-night roofers who chase storms in order to scam property owners and take their hard-earned money. They make big promises about their warranties and workmanship but leave town before even finishing the installation. Find an experienced company that stands behind all of their work.
Note that roofers are extremely busy following a hail storm. It may be a couple of weeks before you are able to get a reputable and experienced commercial roofer out to your building. So be patient and fight off the urge to choose a contractor who has inferior workmanship. Your roof’s lifespan can be reduced by decades if it is installed improperly.
Once you choose a roofer to repair the damage to your property’s roof, don’t be tempted to simply pocket the money and not have the work done. Insurance companies don’t pay a lot of attention to whether or not the work gets done after they pay you. It is a really bad idea to take the short-term cash since additional repair work is going to be needed the longer that you put it off. Water damage may occur to large parts of your drywall and then mold may start to grow. It is critical to get the work done so that you don’t have to worry about all of that.
Hail Damage Roofing Options – If your roof has had hail damage, most likely you won’t need to have a full roof replacement done. Whether or not you need it will depend on how old your roof is and your roofing materials. You often can roof over or re-roof the existing roof. For example, new shingles may be placed on top of old ones. When doing that it significantly reduces installation costs since you won’t need to pay labor and dumpster fees that are associated with taking off the old roof. Foam roofs also can be recoated and so can built-up and modified bitumen roofs.
Research The Roofing Contractor – Make sure to do research on the commercial roofing contractor you are considering hiring to ensure they are reputable. Check to see if they have license tags that are out of state to ensure that you’re not hiring someone simply chasing storms. Check to make sure the roofing contractor is insured properly. Roofing is a really dangerous occupation so accidents can happen. Pay close attention if you don’t want to be liable. Check the BBB rating of the contractor to ensure it is a good company. It is usually best to stick with local contractors so that you can check their references and reviews.
Armadillo Roofing & Exteriors (512) 333-7663, provides commercial roofing services to Austin, Texas and the surrounding area. This includes commercial roof repair, commercial roof installation and commercial roof replacement. We have been providing professional commercial roofing services to the area for over 15 years.