Insurance Claims

wind damageMy Image

Hail Damage
The damage that these storms will cause vary on the size of the hail and the speed of wind. Hail damage is easy to detect on your siding, gutters, screens, and fascia. Hail damage on roofs is not as easy to detect. Small and large hail will age your shingles faster than normal wear and tear. Small hail with fast wind and large hail can crack the matting of the shingles and possibly cause leaks.

Your roof is one of the most vulnerable areas on your home. Certain types of storms are capable of producing hail (balls of ice) that can vary in size and cause minor to severe damage as it impacts items on the ground (i.e. cars, windows, siding and roofing on houses, even people). While hail rarely causes lost lives, it can shatter windows, leave dents and/or holes in your siding and most importantly, damage your roof. Hail under the size of .75 inches is too small to cause damage. However, in the event the hail is .75 inches or greater, damage is seen on aluminum siding and even roof shingles. A proper inspection of the impact areas should be performed by an expert who is trained in what hail damage looks like. This is very important since hail damage on roof shingles is nearly undetectable to the untrained eye.

What causes a Roof to wear out?
Many factors play a role in the deterioration of a roof. This can include, but is not limited to, ultraviolet rays from the sun, extreme changes in temperature, and improper attic ventilation. Exposure to wind, snow, ice, rain, and foot traffic on the roof, are not considered helpful elements either.

Effects of Hail on Asphalt Roofing Systems:
Hail causes millions of dollars in property damage every year. A significant percentage of roofs that are hit by hail never get replaced. This is mainly due to the fact that many home owners don’t notice missing or fractured shingles from the ground. They do not feel the need to call a roofer to inspect their roof. Hail damage is insidious in nature and is not always visually evident. If this is left unchecked, this could cause major problems down the road.

Common Questions and Answers:
When I look at my roof, I don’t see any hail damage. What’s all the fuss about?
Hail Damage can’t be seen very easily. The best thing to do is have your insurance adjuster actually go up on your roof and inspect it for damage. You usually will never see actual holes or indentations. Hail will drastically shorten the life of your roof. Imagine going up on your roof and hitting it a couple thousand times with a hammer. The effect is similar.
How does my insurance company know I had large hail in my neighborhood?
Insurance companies subscribe to different hail reporting and tracking services. These services can track the hail size, exact location it fell, time of day and the date. This helps the insurance companies decide the validity of hail claims. If you had damaging hail, they already know it.

What about my siding?
You should check your exterior walls closely, preferably when the sun is a little lower in the sky (morning or evening). This will make it easier to see the denting. Old aluminum siding will show the damage more than wood or vinyl unless the vinyl actually has holes in it.

How do I know I’m dealing with a reputable and experienced company?
Storm Chasers will migrate to the different areas that storms damage. After the storm business dries up, they pick up and move to the next storm damaged area. It is important that you, as a consumer, have a company you can turn to if you have any warranty issues down the road, after the job is done. A great way to figure out how long the company has been in business is by checking them out on the better business bureau website in your area. Make sure that you ask for referrals. This can help you gauge the service that the company provides.

Who do I call first to start a claim?
You should first contact a roofing expert, preferably one who has experience in identifying hail damage (not just estimating roof replacements). Your second call should be to your insurance company since you don’t want to file a claim if there isn’t any damage. Once a claim has been filed (damage or no damage) it stays on your record as a filled claim. Once you have determined there is actual damage and have filled your claim, the insurance adjuster will contact you and evaluate the extent of the damage and what they will pay for. Remember, it is the insurance company that determines the scope (items that will be repaired or replaced) of work and not the contractor. It is for this reason you want to make sure the insurance company and your contractor are on the same page on what the scope is versus you being put in between the insurance company and your contractor.

If I do have hail damage, should I replace my roof right away?
You don’t have to do it immediately, but keep in mind that most insurance policies limit the time that you have to file a claim. Also, if you do have damage you have a responsibility to “mitigate” any further problems caused by a damaged roof. This is a standard clause in all insurance policies.

Also, if your roof has been damaged by hail, the warranty on your shingles is voided in almost every case, so it makes sense to file an insurance claim. However, you should make sure you really have a claim before calling your insurance company.

Let our staff of professionals help you every step of the way. We will begin by giving you an initial damage assessment,
and complete any repairs needed to have your home looking good as new!

wind damageMy Image

Wind Damage
High wind can wreak havoc on your roofs. The wind will break tar seals, pull the shingles through the nails, crease shingles, and remove shingles. Some wind damage is very obvious when you can see the shingles off the roof. Other damage is not noticeable from the ground. One thing the wind will do is lift up multiple shingles and rip them through the nails; however, the seal may not break between the shingles and they may lay back down flat. Your shingles are only being held on your roof by the seal and are very susceptible to future damage and leaks during an average rain. Another way wind damages shingles is by creasing/folding the shingles. This damage weakens the shingles and makes it very susceptible to breaking off.

Insurance Claim Numbers

  • AIG Insurance Co.
  • Allied Mutual
  • Allstate Insurance Co.
  • American Family Mutual
  • American Home Assurance
  • American States Insurance
  • Anthem Casualty Insurance
  • Arkwright Mutual Insurance
  • Atlanta Casualty Co.
  • Atlantic Mutual Insurance Co.
  • Auto-Owners Insurance Co.
  • Berkshire Mutual Insurance Co.
  • CIGNA Property Casualty Ins. Co.
  • Citizens Insurance Co. of America
  • Colonial Penn Insurance Co.
  • Continental Casualty Ins. Co.
  • EnCompass Insurance Co.
  • Farmers Insurance Group
  • Fireman’s Insurance Co.
  • GEICO Indemnity Co.
  • General Casualty Insurance Co.
  • General Insurance Co. of America
  • Guide One Insurance
  • Grange Mutual Insurance Co.
  • Great American Insurance Co.
  • Hanover Insurance Co.
  • Hartford Insurance Co.
  • Kemper Auto & Home Ins Co.
  • Liberty Mutual Insurance Co.
  • Metropolitan Property & Casualty
  • Motors Insurance Co.
  • Nationwide Mutual Ins. Co.
  • New York Casualty Ins. Co.
  • Occidental Fire & Casual Ins Co.
  • Progressive Casualty Insurance Co.
  • SafeCo. Insurance Co.
  • Sentry Insurance Co.
  • State Farm Insurance Co.
    CALL AGENT 877-783-1200
  • Travelers Insurance Co.
  • Twentieth Century Ins. Co.
  • United States Fire Insurance Co.
  • USAA Casualty Insurance Co.
  • Utica Mutual Insurance Co.
  • Windsor Group
  • Zenith Insurance Co.