Roofing Insurance Kersey

You’re a homeowner and determined your home’s roof needs fixing or needs to be improved with a replacement roof. You’re all set to get moving. What’s the optimal way to get a high quality roofer who will accomplish a good job? What could you look for in a roof contractor or contractor to obtain this work? Kersey 

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When homeowners choose to repair a roof or replace that roof with asphalt during the cold winter months, they’re often plagued by worries that their family will freeze before the job is completed. In the same vein, those starting a roofing job in the sweltering summer months worry that they’ll be facing heat stroke. These concerns are perfectly normal and common among many homeowners looking for roofing fixes or roof replacement contractors.

Kersey

roof replacement contractors 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.

What To Look For In An Estimate Of Roof Repair

roofing company names According to East Tennessee SKYWARN, "Hail is a form of precipitation that occurs at the beginning of thunderstorms. They consist of near spherical pellets of ice and snow, usually combined in alternating layers."By this definition alone, you can already imagine what potential damage hail can do to your home, specifically your roof. And, if hail can damage your roof, just think how it can damage your vehicle. In fact, big hailstones that fall with force have been known to cause fatal harm to humans and animals.Scientists have been trying to reduce the destructiveness of hail by injecting large quantities of silver iodide into a thunderstorm. They are trying to overseed storm clouds so that smaller hailstones will form. This will prevent them from developing into large hailstones. But as of this date, results remain inconclusive.What damage can hail do to your roof? Hail damage on vehicles can easily be seen but the damage that hail does to your roof will not be as obvious. Hail damage results in a random pattern of strike marks in different sizes. You may find dents, cracks or bare asphalt (if you have asphalt shingles on your roof). Additional signs of hail damage to an asphalt roof could be: granules that have settled at the base of your downspouts, metal air vents that have significant damage and damaged and dented siding or gutters.Generally, hail has to be at least 1 and 1/4 inches in diameter before it can cause damage to wood shake shingles or heavy composite shingles. Hail that is 1 inch in diameter may damage lightweight composite shingles. However, if you have deteriorated composite shingles on your roof, hail that is less than 1 inch in diameter can easily cause damage. What do I do if my roof has been damaged by hail? Most hailstorm damages are cosmetic and won't have any adverse effects on your roof. However, moderately severe hail damage that strips shingle of their coatings may affect the longevity of your roof and this may qualify for repairs covered by your insurance. If the damage will cause leaks, exposed areas should be covered with tarps held in place with wood strips and nails. When you can access the roof, you should permanently repair the sheathing and replace missing and damaged tiles, shingles or shakes.Are there available hail-proof roofs in the market? There are hail-resistant roofs but to this day, you cannot find any hail-proof roofs in the market. These hail-resistant roofs have Class 1 through Class 4 hail-resistance ratings, 1 being the lowest and 4 the highest. These roofs are rated based on test results done by The American Society of Testing and Materials (ASTM). A steel ball is dropped from a predetermined height and the damage that the roof sustains is then measured.There are several roofs that carry this rating but the most likely to endure hail with minimal or no damage would be concrete tile, composite shingles and metal roofs. When you purchase a roof be sure to check with the manufacturer to determine what hail rating is given to a particular product.What damage can hail do to your vehicle? If hail can damage your roof, then an exposed vehicle can sustain much damage. Dents will most likely be the most common problem. If your vehicle will be exposed to large hailstones however, there is a probability that you might end up with broken windows and/or a broken windshield. The good news is, with your vehicle, you can take preventive measures so that it will not be damaged by hail.What can you do to prevent your vehicle from being damaged by hail? When hail is in the weather forecast, put your car, boat or RV into a garage. If you have no choice but to leave your vehicle outside, cover parts of the vehicle that is most susceptible to hail damage, with thick blankets. These would be the roof, hood, trunk, windows and windshield.In cases where you are suddenly caught in the middle of a hailstorm while driving your car, seek cover in a covered parking lot or garage. Another option would be to go under an overpass or any place with an awning. If you are on a long stretch of road with no cover in sight, pull off the highway, park at the side of the road and just wait it out.What do I do if my vehicle has been damaged by hail? Contact your insurance company and report the damage immediately. Find out if your insurance has a preferred body shop that can do the necessary repair to your vehicle. If you want to choose the repair shop yourself, make sure that you will have your vehicle serviced by a reputable facility. Make sure that you discuss with your insurance company and your body shop, what kind of repair should be done to your vehicle. Ask how long the repair will take. But if several vehicles were damaged in your area during the hailstorm, do not expect the repairs to be finished immediately. After repairs are made, make sure that everything was done to your satisfaction. Check for remaining dents and scratches before taking your vehicle back home. Before having your vehicle repaired, you must check if the repair shop guarantees its work. Make sure that you get the guarantee and contact information in writing. If you find any flaws in the repair, you should be able to bring it back to them at no additional cost.Hailstorms are part of nature. While most parts of the world may not experience this kind of weather, those who live in the middle latitudes are not so fortunate. If you are one of those people and have no choice but to live with it, just do the best you can to protect your roof and your vehicle by following the simple steps mentioned earlier. home metal roofing

Hail Damage Roof Fort Collins