How I do I know if I have hail damage to my roof? Can I tell from the ground?
If you've had hail in your area, to determine if the shingles have been damaged a close inspection of the shingles has to be made on the roof by a qualified person who really knows what to look for. Usually you cannot tell from the ground.
If I think I have hail damage what should I do?
The first thing to do is to call a reputable roofing company and ask for a roof inspection. If they validate that you have hail damage, then call your insurance company and ask for an adjuster to come inspect your roof for hail damage. If you choose Concord Roofing as your roofing company, we will meet your insurance adjuster and commit to helping represent your best interests. If there are any discrepancies between the adjuster's findings and the roofer's findings, you should call for a "RE-INSPECTION" where your adjuster meets with your roofer to go over the roof together. Re-inspections are a very acceptable practice that happens quite often. The insurance company must determine two things when assessing the amount of your loss. Was there sufficient damage to the roof to declare it a total loss? (Usually determined by 8 to 10 verified hail hits per 100 square feet.)
What does hail do to a roof?
Shingles are designed so that the granules block the UV rays of the sun and protect the asphalt underlayment. As the shingles age, the granules fall off over time. As the asphalt is exposed to UV rays, 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 bubbled in appearance and is brittle to the touch. A 20-year shingle is warranted by the manufacturer to have a useful life, under optimal ventilation conditions, of 20 years. Hail does several things: Accelerates granule loss, Accelerates shingle aging, Voids manufacturer's warranties and Leads to other associated problems.
Do I need to get my roof replaced right away?
The nature of hail damage is such that it may pose no immediate threat to the structural integrity of the roof. However, many insurance companies have a "statute of limitations" of how long a hail claim is viable. If you have experienced a loss, such as hail damage, it is prudent to take care of the problem in a timely manner before it leads to additional problems. In some instances, if you do not do your repairs in a timely manner, any subsequent damage may not be covered by your insurance carrier. You should handle this at your earliest convenience.
What does a hail hit look like?
A hail hit on a shingle looks like a "bruise" or a dark spot where the granules on the shingle have been knocked off and the asphalt underlayment and sometimes the fiberglass mat is exposed. New hail hits will have a shiny appearance because the asphalt has been freshly exposed and has not had time to weather to a dull color.
Why would my insurance company replace my roof?
The purpose of homeowner's insurance is to protect homeowners against any loss in their property's value due to damage that is beyond their control. If you have hail damage, you have experienced a financial loss in that your original investment of a 20-year roof (for example) has now been reduced to a 5-10 year useful life span. Your insurance company will compensate you for your loss and replace your roof.
Why does the estimate read that there are more shingles to replace then there are to remove?
The amount of shingles to remove from your roof is the actual amount of square feet that it takes to shingle your roof. However, when putting on shingles, some shingles have to be cut to fit dimensions, ridges, hips and valleys. The insurance company adds 10% to regular ridge roofs and 15% to hip and ridge roofs to account for the loss of shingles.
My gutters and siding were damaged and the insurance company paid those items, on a per linear feet basis, to be replaced. When I called a contractor they had a minimum fee, which was far in excess of the small amount that the insurance company had paid me. What can I do?
Your insurance company understands minimum charges, such as these, and has set prices they are prepared to pay as minimum charges for all trades. The insurance companies sometimes will not pay the minimum charge up front because such a large percentage of their customers never call a contractor and just pocket the money. If you or your contractor call your adjuster and ask for the minimum charge for the work you intend to do, they usually will pay it without hesitation.
In my adjustment, my insurance company deducted some money for depreciation, what is this all about?
Different insurance companies call the amount that they hold back different things. Some call it depreciation, while other companies call it hold back monies. What it represents is the amount of money that your insurance company will hold back until they receive a final invoice from a reputable roofing contractor, such as Concord Roofing, for the work that has been completed. When they receive a signed contract or final invoice, you will then normally receive your final check for the amount they have held back within two to four weeks.