Homeowners Guide to Hail Damage Roof Insurance Claims

                                                              
Homeowners Guide To Hail, Wind, Storm and Lightening Damage.

Hail Damage

Hail can damage your shingles, siding, or gutters without any visible signs from the ground. Hail normally has to be at least the size of a golf ball before it will break through your shingle and cause bruising.

If driven by high winds or if it hails for more than a few minutes, your roof will suffer from loss of protective granules. This will greatly reduce the life of your roof. Siding, gutters and fascia can be dented by hail. Frequently this damage is difficult to see until the light is right. Have the exterior of your home inspected to be safe.

Various Ways Shingles Can Be Damaged

HAIL

Loss of granule layer on the shingle will cause the organic-based center of the shingle to be exposed to the sun's UV rays. This will cause serious deterioration of the shingle in a short period. Furthermore, hail can actually puncture or seriously damage your roof.

HIGH WINDS

Over 50 miles per hour can lift the shingle and cause seals to break, never to be resealed. The unsealed shingles will then flap in the breeze and soon snap off.

VENTILATION

Improper or inadequate ventilation in your attic will cause the shingles to scorch and bubble up causing a serious problem.

An inspection by a trained technician can verify the extent of the damages and outline the means to get them repaired.

We have provided full service to our clients since 1947. Let us help make your storm damage claim less intimidating and insure you receive the best results.

If You Think Your Property Is Damaged

Call Above All Roofing for assistance.
One of our specialists will meet with you to assess your property.

If hail damage is found
We will inform you to call your insurance company.
Provide initial assessment estimate.
We will provide you and your insurance company with an initial assessment and estimate of the damages.

Test areas

A (10'x10') "test area" will be measured on every slope of the roof. If we find a sufficient amount of bruises or breaks for each "test square", the insurance company will pay for a new roof less your deductible. If gutters, siding, brick, etc. are dented, you will be paid for a replacement "of like or kind quality."

Contractor Representation

You are entitled to have the contractor of your choice represent you. We will represent you during the inspection process. First, we will meet with you to determine the extent of the damage, then we will meet with your adjuster to determine all other aspects. In most cases, all you pay out-of-pocket is your deductible. Most discrepancies occur when the adjuster has not assessed the same amount or type of damage as the contractor. Whether it's for the roof, gutters, siding, or other exterior damage, we work with the adjuster in finalizing the cost of the repairs and getting your claim paid.

How Insurance Companies Pay Claims

You should receive the first check about a week after the adjuster has estimated your damage. This check represents the actual cost to repair or replace the damaged property, less depreciation and your deductible. The age and condition of the property is taken into account when calculating depreciation. The depreciation amount will be paid when work is completed and an invoice is sent to the insurance company.

Mortgage Companies

If you are carrying a mortgage on your home, the first check you receive from your insurance company should be made out to you and your mortgage company. The check along with required documents of your mortgage company must be satisfied to clear your check. We assist you with this process, or if desired, complete it for you.

Why Choose Us?

All of our staff is specially trained with storm damage claims and will provide you with the best representation possible. We have many crews, each excelling in it's own field.
We are members of the National Roofing Contractors Association, a preferred Contractor for manufacturers such as Owens Corning and CertainTeed, and we have been awarded Shingle Master Crew Status by employing a Master Roofer Applicator-qualified work force.

The Roofing Process

We roof per the National Roofing Contractors Association guidelines. We strip off the old shingles and check for any bad decking or chimney flashing. We apply felt, ice and water shield (if code), re-roof to code using four (4) nails per shingle.
Please keep in mind that this is a major construction project.
Shingles, particularly second layers, come off in pieces.
Expect a bit of a mess no matter what contractor does the work. Be sure the items on the interior of your home that react to vibration during the installation process are secure.
We will clean up and haul away trash including picking up nails with a magnet.
In most cases, reroofing can take one to two (1-2) days to complete.

What You Need to Know About Tornadoes

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Despite improved warnings and forecasts over the past few decades, tornadoes still cause many deaths each year. To learn a little more about these violent storms, here are 12 facts that illustrate how destructive tornadoes can be, where they can occur and how to prepare for them.

1. How do tornadoes form?
Tornadoes form where warm moist air is trapped underneath a layer of cold, dry air. This instability is upset when the warm bottom layer gets pushed up — either by heating near the ground, or by an influx of cold air. As the moist air rises, it cools, forming clouds and thunderstorms. If the conditions are right, the rapidly rising air will spin around a central funnel, at speeds sometimes exceeding 150 mph. Although tornadoes are more frequent in the afternoon, they can happen anytime, even at night. 

2. Where do tornadoes form?
Tornadoes can occur almost anywhere in the world, but the United States is the country with the highest frequency of tornadoes. About 1,000 tornadoes hit the United States each year.
Twisters strike predominantly along Tornado Alley — a flat stretch of land from west Texas to North Dakota. The region is ideal for tornadoes, as dry polar air from Canada meets warm moist tropical air from the Gulf of Mexico.

3. Do tornadoes occur only in the spring?
While tornado season — the time of year that historically produces the most tornadoes — runs from early spring through mid-summer, tornadoes can happen any time of year if the conditions are right. Essentially, this is any time when warm and cool air masses collide.

4. What state gets hit by the most tornadoes?
That would be Texas, which averages 125 tornadoes every year. Oklahoma comes in next with about 57 tornadoes per year, with Kansas and Florida following close behind with 55 each. Florida of course is much smaller, and therefore has more twisters per square mile than anywhere else.

5. What month has the most tornadoes?
May is typically the month in which most tornadoes occur, followed by June. The record for most tornadoes in any month (since record keeping began in 1950) was set in May 2003, with 543 tornadoes confirmed in the final numbers.

6. How much damage can tornadoes cause?
That all depends on how big the storm is and how fast its winds are whipping around.
The Fujita scale, named for the scientist who developed it, ranks tornado strength based on the damage they cause. The scale runs from F0 to F5; the most violent tornadoes, F4 and above, account for less than 1 percent of all tornadoes, but account for 70 percent of tornado-related deaths.
These terrifying twisters can level a house and lift up a car and fling it 100 yards away. F2s and F3s can tear off roofs, destroy mobile homes and lift cars off the ground. F0s and F1s will break tree branches, damage signs and take off a few roof shingles.

7. What's the difference between hurricane and tornado damage?
It's mostly a matter of scale. Tornadoes have much higher wind speeds, so most of the damage wrought by them is wind-related. But they are much smaller and so cause damage over a smaller area than hurricanes. Most damage from hurricanes comes from flooding and storm surge.

8. What was the deadliest tornado outbreak?
The deadliest outbreak came on April 3, 1974, when a two-day "Super Outbreak" of 147 tornadoes killed 308 people in 13 states. The deadliest single tornado was the "Tri-state" tornado that killed 695 people along a 219 mile long track across parts of Missouri, Illinois and Indiana on March 18, 1925.

9. What city has been hit by the most tornadoes?
Oklahoma City has been hit by a staggering 100 tornadoes; the earliest recorded tornado there was in 1893. The most-hit city count can change based on how city limits are defined, but when considering a 20-mile radius around a city of 100,000 or more, Oklahoma City is in the lead, followed by Huntsville, Ala.

10. What is the highest elevation a tornado has occurred at?
This isn't known for sure, but scientists with the National Weather Service say it is at least over 10,000 feet above sea level. The NWS website lists a tornado observed and photographed by a hiker at 12,000 feet in Sequoia National Park, California, on July 7, 2004, as the likely candidate for highest elevation tornado known. The highest altitude ever recorded for a violent tornado was between 8,500 and 10,000 feet elevation in Wyoming — an F4 tornado struck there on July 21, 1987.

11. How do I prepare for a tornado?
Keep abreast of local weather forecasts and listen for watches and warnings. Having a weather radio in the house is also a good idea.
Have a family plan in place so you can quickly find shelter. Basements and storm cellars are the best place to take shelter, but if you don't have either one, head to a bathroom, closet or any other interior rooms away from windows.
Don't bother opening windows to equalize the pressure in the house — it's a waste of time and the tornado will take care of that for you if it does hit your house.
If you're in a car, get out and head for sturdy shelter or a low, flat spot. Don't take shelter under a bridge, which is highly dangerous.

12. What's the difference between a tornado watch and a tornado warning?
A tornado watch defines an area (usually displayed on meteorologists' maps) where tornadoes and other kinds of severe weather are likely in the next few hours. If you're in such an area, be alert.
A warning means that a tornado has been spotted or that radar has shown circulation in a storm that could spawn a tornado. Warnings mean you should seek shelter immediately