Roofing Insurance Virginia Dale

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? Virginia Dale 

roof replacement contractors

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.

Virginia Dale

home roof replacement In May of 2011 the Roofing Industry Committee on Weather Issues, Inc. conducted two investigation programs covering the effects of high wind and hail on various roof surfaces. The Roofing Industry Committee on Weather Issues, Inc. (RICOWI) was founded in 1990 as non-profit focused on identifying and solving issues associated with wind damage. Since then RICOWI expanded to cover other weather related issues. The RICOWI recently completed an inspection of over 100 DFW area homes to determine the effects of hail on various roofing systems.Meteorological DataOn May 24, 2011 several storms containing large hail passed just north of College Station, TX (Dallas/Fort Worth). According to the National Climatic Data Center, reports of hail 2 inches in diameter and larger were reported over the area. Large hail over 4 inches in diameter was also reported to damage airplanes and nearby airfields.Investigation MethodologyTrained inspection members identified affected roofs by properly identifying dents and other impact marks, known to be hail related. Property owners and other eye witnesses were interviewed to verify the extent of hail impact. Trained inspection members identified affected roofs by properly identifying dents and other impact marks, known to be hail related. Proper data was then collected and analyzed. The data included metrics covering location, roof construction details, pitch, estimated hailstone size, and severity of hail impact. Impact severity was measured on a scale of 0 (no real damage) to 5 (severe damage and potential leaks as a result). y owners and other eye witnesses were interviewed to verify the extent of hail impact.Investigation FindingsLow Slope Roofing SystemsA focus of the investigation was to determine the differences between roofing products rated for impact resistance and those that were not. It was found that low slope roof systems that had membranes that were firmly supported by gravel or stone ballast performed the best.Asphalt ShinglesAsphalt shingles that were rated as impact resistant did perform better than those not. Out of the roofs that were tested 75% of the impact resistant roofs were rated in the damage categories 0, 1, or 2 (the lowest damage categories). The average damage rating for impact resistant roofs was 1.3. The damage rating for non-impact resistant roofs was 2.5. Older roofs also showed more damage than newer roofs within the same area due to additional wear and tear and aging.TileTile roofing systems performed well. Even though hail sizes were estimated to be between 2 and 4 inches, very few tiles had any damage. The damage noted on tiles is a pattern of multiple fractures from a single hailstone impact. Tile roofs older than 12 years also showed no noticeable differences in performance, probably due to lasting materials of clay and concrete. Metal RoofsMost metal roofing systems also performed well. Of all of the metal roofs tested only 1 had severe damage where roof had distorted sides. None of the metal roofing systems, where raised, galvanized steel, or standing seam, had any evidence of leaks or punctures.Final ResultsHailstone damage was easily identifiable by the trained personnel on many varieties of roofing types. Hailstone size is more of an indicator of the extent of damage than hailstone number. Across the board impact resistant products performed better than standard products. Roofing systems that possessed a more substantial substrate also performed better than those without.ConclusionIt appears that roofing systems that provide a complete system of protection from hail include impact resistant materials, a solid substrate backing, and a proper installation.

Hail Damage to Roofs & Auto Hail Damage

roof experts 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. quality roofing

Hail Damage Roof Fort Collins