Well, it has been a weird two years of weather for The Lone Star State, yet it was still the type of weather that creates roof damage. Insurance claims are just as busy as ever, maybe even more. Even for the most experienced homeowner, that process can be challenging though, which makes it frustrating.

In what order should you do what, and what step is the most important when it comes to filing roof damage insurance claims? Insurance is a confusing industry, and if you don’t know how to file insurance claims and understand the process, your claim can be denied.

What are the steps to filing an insurance claim for my roof?

When your home has hail, storm, or wind damage to the roof, it is hard to stay focused. And the insurance claim process doesn’t make it easy. Your immediate concern is making sure everyone is okay, and getting that roof repaired or replaced, but you must follow the procedure, or it will take forever to get your insurance settlement, if ever. These steps can walk you through the roof insurance claims process:

1. Assess and document the roof damage.

Insurance claims are going to ask for your name, number, and what kind of damage you have. So, make that the first thing you do, walk around your home, inside and out, and assess the damage. Make notes, take pictures, and/or videos. If you’re not able to get up on the roof yourself, most local roofing companies offer free inspections when there is a roof damage insurance claim to be filed. Some will charge a fee and then deduct the amount of the bill to reimburse you.

2. Review your insurance policy.

Before you file your roof damage insurance claim, review the policy so that you have an idea of what is covered. You should review your policy every year and check with your agent if you need any additions or upgrades.

3. Contact a local roofing company.

If you haven’t already for the estimate and inspection, now is the time to call a roofing contractor. Request an estimate in writing with details of what needs repairing or replacing.

4. Call your insurance company.

With the documentation, estimate, pictures, and/or videos in hand and brief knowledge of what is covered, it is time to call the insurance company to file your roof damage insurance claim. Make note of who you speak to, the date and time, and whatever instructions they provide. Ask questions and make sure you have a clear understanding of the answers.

5. Meet the insurance adjuster.

The insurance company will send out an adjuster to examine and inspect the roof damage. If possible, ask the roofing contractor to meet at the same time so they can review the damage with the adjuster. Remember, the insurance adjuster is looking at the damage in how they can avoid paying the claim. The roofing contractor is on your side.

6. Repair or replacement.

Once the roof damage insurance claim is processed and approved, you’ll know what the insurance company is going to pay, and you get the appointment scheduled with the roofer.

Why you should call a roofer before your insurance company?

A roofing contractor is the one who can fix your roof. They want your business; they are on your side.  The insurance adjuster is going to protect the insurance company’s end when it comes to any type of claim, especially roof damage insurance claims.

While insurance adjusters are trained in all aspects of insurance claims, there are aspects of roof damage they may not see, which is why your roofing contractor should be there when they arrive. They will see and realize there is damage that an adjuster may miss, and then your roof is vulnerable to more damage and deterioration.

Should I have insurance look at my roof?

If you know or suspect roof damage, yes, have your insurance company schedule an adjuster to inspect the roof and the rest of your home. If you have just purchased the home and a roof inspection wasn’t done, yes, request an inspection and visit.

Or, if your roof is aging, and you are not sure about the condition, having a roofing contractor inspect it is recommended, then the insurance company. Once you have a new roof installed, have a roofing contractor inspect it after 5 years, and then every 2 years until the 10^th year. Annual roof inspections at that point should be annual. With an asphalt shingle roof, by the 10^th year, it is reaching its end of life. This allows you to get out in front before anything happens.

What kind of roof damage is covered by insurance?

Most homeowners’ insurance policies will cover any damage that is caused by an act of nature. This includes hail, wind, and type of storm damage, this is standard and the main reason homeowners in Texas and other states need insurance. Policies will cover fire and vandalism as well.

Now, once the insurance company adjuster inspects the roof if they could determine the roof damage insurance claim is denied because of neglect. This is because they find the existing roof should have been replaced before the storm damage and would have held up to the hail, wind, or other storm aspects.

Will insurance cover a 20-year-old storm-damaged roof?

If you’re just taking out a homeowner insurance policy, no, they will advise you to have it replaced before they will offer coverage.  If the existing roof is 20 years old and sustains roof damage, insurance claims adjuster will determine how much is normal wear and tear versus how much is storm damage. Then, based on your policy, they advise you how much, if any, they are going to reimburse you for repairs or replacement.

Can I claim for a new roof on house insurance?

If you have a new roof installed and it is damaged in a storm, if your insurance policy covers that type of damage, which is standard coverage, yes, you can file a claim. With a brand-new roof, they will probably reimburse the full amount for repairs or replacement.

Storm Damages to Roofs

In League City, Texas, and the area surrounding, it is always a guess what kind of weather events we can expect. From hot summer storms and wet springs to frigid winters, there can be a lot of roof storm damage repair needs left behind.

Is roof storm damage covered by insurance?

The most common use of a homeowner’s insurance policy claims is for roof storm damage repairs or replacement. Your home is an important investment, and the roof protects that investment and everything inside it. The typical types of roof storm damage coverage include:

• Ice, snow, and water damage
• Lightning strikes
• Power surges
• Hailstorms
• High winds
• Falling tree limbs/branches
• Ice, Snow, Water Damage

Roof damage from winter storms of ice and snow can leave a home needing roof storm damage repairs or replacement just from the sheer weight of accumulation. The roof damage from wind that comes with the spring thunderstorms that Texas is known to experience creates the need for roof storm damage repairs or replacement.

• Lightning Strikes & Power Surges

Often, if lightning strikes a home or any type of structure, it can cause a fire to start, which is covered in most roof storm damage repair claims. O it can cause a power surge, damaging the electrical system in your home.  Not all homeowner insurance policies provide power surges and outage coverage, it is worth the time to consult with your insurance agent and add it necessary.

• Wind, hail, and fallen trees

The strong spring storm in Texas roar through, sometimes with hail, and cause significant siding, windows, and roof storm damage.  Repairs or replacements are usually covered under most homeowner insurance policies. This includes damage from ice coating the roof, heavy snow piles, and wind-driven rains as well as any tree limbs broken by heavy ice and snow.

Keep in mind that not all insurance companies are the same and not all homeowner’s insurance policies are the same. Review yours every 6 months and if you’re unclear of any aspect of your policy, ask your agent to clarify.

What is storm damage to a roof?

Once a storm has passed through, use the following as a checklist to see if you need any roof storm damage repairs:

• Roof: Do a visual assessment and Roof inspection after a storm by walking around the perimeter. Take notes, pictures, and videos of all visible storm damage. You’re looking for broken, curled, dented, loose, missing, or torn shingles that will need any roof storm damage repairs or replacement.

• Gutters, Vents, and Windows: Check these areas for broken, dented, or loosened gutters and vents, including the gable vents and any overhangs. Inspect all the windows for breaks, cracks, loose weather-stripping, or torn screens.

• The Exterior: Walk around the exterior to check for broken or fallen tree limbs, bent, broken, missing fence posts, or damage to decks, patios, lawn furniture, etc.

• Attic and Ceiling: Inspect the inside of your home, starting in the attic. Look for roof leaks and the ceiling/walls for water spots.

If you have never filed an insurance claim before, check with your insurance agent on how to claim storm damage to a roof and other damages your home has sustained. Many insurance companies have instructions on their website to walk you through the process. If you speak to anyone with the insurance company, be sure to get their name, phone number, and extension, and keep a file that includes the claim number and insurance adjuster.

Can a metal roof be struck by lightning?

Lightning isn’t any more likely to strike a metal roof than any other type of roofing material. Research and studies have determined that lightning is more likely to strike a structure at a high elevation, even if it is an asphalt shingled roof.

What type of roof is best for storms?

Insurance companies and roofing contractors recommend metal roofing. They provide ultimate protection and are weather-resistant, including against heavy winds and other elements those strong Texas storms can bring through any time of the year.  Metal roofing is energy efficient and 100% recyclable. Most metal roofing is made from 95% recycled metals and can be 100% reused when it has completed its lifespan as a roof.

Closing Up The Roof Damage

It is important to file your insurance claim for roof storm damage repairs or replacement as soon as possible. Review your insurance policy to see what time frame your insurance company requires.

Keep a folder with all your documents and receipts pertaining to your insurance claim. Get the name and number of any person you speak with, including the contractors and insurance adjuster or officer. Keep copies of any estimates and quotes that you send to your insurance agent.

If you do not agree with the insurance adjuster’s claim offer, you have the right to dispute and ask for a new adjuster. You also have the right to pay for a private party adjuster.

For help with roof storm damage in League City, TX call the skilled team at Professional Roofing Systems for services at (281) 338-7663.  

Roof Insurance Claims

Springtime in Texas brings us all kinds of storms that leave us with damaged cars, damaged roofing, and more. Having some knowledgeable roof insurance claims help is recommended and needed for a homeowner who has never filed an insurance claim before! Having somebody that knows how roof insurance claims work and all the ins and outs of how to file a roof insurance claim is priceless.

Questions like, “What kind of roof damage is covered by insurance?” are common and the answer is important. Perils that are commonly by homeowners’ insurance includes:

• Fire
• Hail
• Wind damage
• Other natural disasters

So, this means that your roof insurance claims help with paying part or all of the cost to repair or replace the roof if a tree falls on your house, the roof is beat with hailstones, or high winds rips off shingles on your foo.

Other roof insurance claims help is for vandalism, which is rare but does happen. Vandalism repair or replacement coverage is typically under an all-risks or all-perils homeowner’s insurance policy, with an exception for policies that state it is specifically excluded.

Vandalism is defined when damage has been done to the roof, like malicious mischief. That can include something like your home being egged, which is more difficult and damaging than you may expect, and any roof insurance claims help in paying for this is going to be appreciated!

Home interior damage from any of the above mentioned will usually be under the umbrella of the comprehensive homeowner’s insurance policy. This means that your policy will cover anything else damaged when the roof was damaged. An example would be part of the roof is damaged or destroyed and this causes damage to the interior of the home. The roof insurance claims help in repairing or replacing things like fixtures and furniture can be a huge benefit financially.

Does homeowner’s insurance cover wind damage to a roof?

Yes, homeowner’s insurance policies typically cover most wind damage roof insurance claims. Help from this coverage will include paying for repairing or replacing the damaged roof as well as the siding and windows.

Will insurance cover a 15-year-old roof?

Filing for roof insurance claims help for your roof simply because it is old will not be honored. The roof needs to be significantly damaged by an insurable event. Based on the age and if your homeowner’s insurance is set up as RCV (replacement cash value) or ACV (actual cash value) will determine how much roof insurance claims help you’ll get financially.

Does homeowner’s insurance cover roof replacement?

Yes, if you choose the RCV option (replacement cash value), is how to get a free roof from insurance if you choose a roofing material that is within the range of what the insurance company pays. An example would be your insurance company telling you they will pay for full roofing and siding replacement, and they cut you a check for $25,000. You choose a roofing material that is $20,000, you will only have $5,000 left for siding.

Many homeowners will choose the ACV option (actual cash value) because it is a lower monthly premium. However, the RCV (replacement cash value) is the better choice because it will pay more if you do file an insurance claim. With the ACV option, your homeowner’s roof insurance claim help will only be for what the depreciated value is of your roof at the time. The RCV will pay what it will cost up to the equivalent to replace the roof, which will typically be more than the current depreciated value.

Can you keep insurance claim money for a roof?

If there is a mortgage on your house, the check will be mailed to them. It will be up to them if you are given the check or if they will require you have the repairs or replacement stipulated in the claim to be completed. They will then pay the contractors accordingly.

If your home is free and clear of any mortgage, the check is mailed directly to you to do as you please. If you choose not to get the new roof or siding, the insurance company may not pay for another roof insurance claim. Help from your insurance company can provide you the information on those types of stipulations.

Don’t Throw Caution To The Wind!

During the springtime, it is common for neighborhoods hit by hailstorms, high winds, and tornados to be canvased by roof replacement insurance scams. These are contractors that will ask for half or more down for a new roof and then never show up. The money is gone, and you still have a damaged roof. You can file charges with the sheriff’s office, but chances are the scammer is long gone, with your money.

League City, Texas is one of the most weather eventful places in the state. With the hurricanes that come in from the coast, creating tornadoes with high winds, there is a lot of wind damage roof repair that needs to be done. Anyone that has not lived in this area, or any area where the winds are powerful, may wonder, “Can wind damage your roof?” and even, “Can wind tear off a roof?”

The answer to both of those questions is yes, most definitely!  The older and weaker the roof makes it more susceptible of course, but even a newer asphalt shingle roofing can be damaged or ripped off with winds of 45 mph if it hit at the right angle and impacts. At the very least, a homeowner would find shingles have been loosened or tree limbs were broken, tossed on the roof, creating a different type of wind damage. Roof repairs that have a windy session of weather are quite common.

How do I know if my roof has been damaged by wind?

Wind damage roof repairs are primarily replacing missing shingles or replacing broken shingles.  While to the untrained eye, wind damage roof repairs are not always easily seen.  To an experienced and trained roofing contractor, the wind damage on shingled roof can be determined by any of the following:

• Loose/missing shingles
• Loose/missing nails
• Shingles with horizontal lines across them. This is where the asphalt granules have been removed by the wind, typically 2” or less below the shingle above. This is indicative of the seal being broken, allowing the shingle to flap in the wind. At this point, it has lost all resistance to moisture and other elements that can compromise a roof.

Should I get my wind-damaged roof repaired?

If your roof is showing signs of wind damage, roof repair or replacement shouldn’t be second-guessed or postponed. Your first action should be to get an inspection by a professional. Wind damage roof repair recommendation versus replacement will be offered with a written estimate for the work to be done.  You’ll need two copies of this, one for yourself and one for your homeowner’s insurance.

Wind damage can do more than just impact your home’s appearance. A professional roofing contractor’s inspection will determine if there are any unseen damages that should be addressed. If you choose to not have the recommended repairs or replacements done, you could be putting your home in jeopardy for the following:

• ROOF LEAKS: Wind damage can cause gaps or holes in the roofing, resulting in leaks, if not now, soon. If the leaks are unnoticed, the moisture will mildew and create mold, which will begin to spread to any exposed wood and other surfaces. This can cause other components of your home to warp, weakening your home’s structural integrity.
• WEAKENED SHINGLES: Where the extreme winds can loosen shingles or cause the granules to come off, this leaves the under decking exposed to the elements and speed the aging process of the roof.
• UV RAY EXPOSURE: Wind damage roof repairs that aren’t completed will leave the roof exposed to the UV rays and put the rest of the roofing components at exposure. This exposure will shorten the lifespan of your roof.

When should you replace a wind-damaged roof?

Get wind damage roof repair within the recommended time frame depending on what your roofing contractor tells you.  The roofing contractor is seeing issues with your roof that you may not even realize exist. Delaying the repairs is only leaving the roof exposed and vulnerable, and with too much time passed, you could be getting a new roof instead, at a much higher cost.

Is roof damage covered by insurance?

Homeowner insurance policies in Texas typically cover wind damage roof repairs or replacement when the damage was caused by any natural circumstances that the homeowner has no control over. This includes hail, high wind, fire, and vandalism. However, if the insurance adjust determines the damage could have been prevented has the homeowner updated the roof prior, or made earlier repairs, the claim could be denied.

From The Tree Tops – Can you protect your roof from wind damage?

In areas like League City, Texas, where hurricanes and high winds are common, placing sheets of plywood over the roof can be an excellent level of protection. Keeping trees cut back is essential in minimizing the need for wind damage roof repairs.

When you do get a new roof, choose a roofing material that provides a higher level of wind protection, like laminated asphalt shingles. Request the roofing contractor to replace the existing underlayment with a waterproof underlayment. This gives your roof and home an added layer of protection if the shingles are blown off during high winds. And for the sheathing, request they use the thickest material possible. This allows the nails a thicker layer that will keep the shingles in place better.

The Average Roof Lifespan

Are you trying to figure out how often to replace a roof? That can depend on several factors, and being close to the coast can be rough on a roof. In addition to the daily sun, the roof is exposed to the salty sea air and high winds, along with the usual hailstorms. Roof replacement in League City, TX and the surrounding area is a pretty common sight. An asphalt shingle roof may need replacement every 10 to 12 years versus other parts of Texas, where they can last up to 25 years.

What does “roof replacement” mean?

A roof replacement is a process of removing the existing roofing material to make any repairs necessary to the decking and joists. Afterward, the new roofing material is installed.

What does roof replacement include?

A roof replacement is much more detailed than a roof restoration.  A roof replacement begins with the old roofing and felt covering being torn off, all the way to the decking. The decking is then replaced if damaged and the roof joists are examined for necessary replacement as well. With the joists and decking in place, roof felt is installed, followed by the roofing material, like asphalt shingles.

Once all of that is in place, the roofing contractor will install the various types of flashing and check all rubber boots around the plumbing vents. The ridge ventilation is finally installed to make sure the attic is well ventilated.

What is done during a roof replacement?

As the homeowner, if you know what to expect with a roof replacement job, you can take the steps needed to be prepared, even if that includes vacating the premises for your own comfort. You may want to consider covering your furniture, bedding, clothing, plants, and other things that could get dirty from falling debris.

Remove your outdoor furniture, grills, and plants, covering what can’t be moved. Park vehicles and other items like boats out away from the house and garage. The basic steps the contractor and roof replacement crew will take are:

• Property Protection: The roofing contractor that installing your roof replacement will take steps to protect your property using plywood and tarps.
• Remove Old Roofing: All of the existing roofing materials will be taken off the house, and the wood decking and joists inspected for damage.
• The Inspection: Any wood that is soft, wet or has rot will be replaced.
• Preparing the Surface: The next step in your roof replacement will preparing the wood decking with a drip edge.
• Water and Ice Shield: A ice and water shield is installed next; this is also called the underlayment followed by roofing felt.
• Installing New Roof Replacement Materials: With all of these steps completed, the roof is ready for the new roofing materials. The contractor and crew will start at the base of the roof, laying the new material and work upward to the ridge. They will then install the new ridge cap and ridge vents along with flashing.
• Clean-Up: Next the job site is cleaned up.
• A Final Inspection: Last part of your new roof replacement is a meticulous inspection with the contractor and lead crew member.

How long does a roof replacement take?

For an average-sized house, one of up to 2,000 square feet, the job can usually be done within a day. The only exception would be if the crew finds more damage to the decking and joists than they have the supplies to replace.

What is the average cost of a replacement roof?

The cost of construction materials has gone up over the past six months, so the cost of a roof replacement could be higher than these last figures obtained. A typical roof replacement has cost in recent years as little as $5,100 for a 1,000 square foot house and up to $30,000 for a 2,500 square foot house.

Can I finance a roof replacement?

If your roofing replacement is being paid for your homeowner’s insurance, there are some options for financing this job. One would be a home equity loan which will require you to have an 85% ratio for loan value.  You can apply for a personal loan or use credit cards to pay for your roof replacement as well.

Finally – How does insurance work for roof replacement?

You will need to notify your insurance company that you need to file a damaged roof claim. They will send an adjuster to inspect the damage and the entire roof. They will send you an estimate of what your policy will pay for, less your deductible.

Once you have a roofing contractor give you an estimate, if the adjuster gives a lesser estimate, the roofing contractor can file for a supplement payment. Once the roof replacement is complete, a copy of the final invoice is sent to the insurance company and if there is any depreciation, a check will be sent to you or your mortgage company.

Keeping Your Roof Safe

Texas is one of the states in “Tornado Alley,” and with that tag comes storms all year long, many causing hail damage to roofs. So, you may be asking, “How does hail damage a roof?” The answer is simple: hard hail impact will crack and dent your roofing, which can loosen the roofing material from the decking. Then the high winds can grab a shingle or shingles, cause them to bend, and rip them off your home.

This is a big problem, as a hail damaged roof leaves your roofing exposed to the elements with bare spots. Bare areas and cracked shingles are not effectively protecting your roof. Your next question is probably, “How can I tell if my roof has hail damage?” As a homeowner, it is important for you to know how to check a roof for hail damage enough that you know when you need a professional roof inspection.

Common Signs of Hail Damage

Signs that are obvious are dents on the metal flashing, gutters, and downspouts. Other indications of a possible hail damaged roof are: 

• Check from the direction the hailstorm came for missing asphalt granules on shingles. A hail damaged roof will have bare areas on the shingles and gutter runs will have excessive amounts of granules in them.
• There may be round and teardrop shapes or pits in the shingles.
• Bruised and damaged shingles will eventually absorb water and it will soak through to the underlayment and decking.
• Check for cracks on the asphalt shingles.
• Split asphalt shingles are another common sign.
• Damaged chimney or chimney cap, ridge caps, rubber boots
• Dark and discolored shingles

Will hail damage a metal roof?

A metal roof is a very durable and tough roofing material with high resistance to hail damage, but this resistance is not 100%. While hail stones will not penetrate metal roofing, it can cause some damage. Common damage includes denting, which is generally cosmetic in nature, though a roof inspection may still be recommended.

What size hail will damage a roof?

Hail is formed when moisture is carried by rising air from a storm to the extremely cold atmosphere. When the warm moisture is combined with the cold air, the rain freezes. The stronger that updraft of air, the bigger the hailstones are, and the bigger they are, the more damage they can cause, like hail-damaged roofs, even if made of metal.

All roofing materials are rated on their resistance using a 1 to 4 scale of impact resistance by Underwriters Laboratories (UL rating). Most asphalt shingles do not have an impact rating, putting them in Class 4 along with metal roofing.

The Class 4 rating is done by using a 2” steel ball for testing and dropping it from a twenty-foot height. To be graded at a Class 4, the roofing material cannot show any damage from that 20-foot drop. That includes no cracking, fracture, rupture, splitting, or tearing. These results are estimated at what a hail damage roof would receive from 2” hailstones. For an idea of what kind of hail damage roofs can get from hailstones, the following can give you an idea:

• ¼” hail stone = damage the size of green peas
• ¾” hail stone = damage the size of a penny
• 1” hail stone = damage the size of a quarter
• 1-1/2” hail stone = damage the size of a ping pong ball
• 1-3/4” hail stone = damage the size of a golf ball
• 2” hail stone = damage the size of a lime
• 2-1/2” hail stone = damage the size of a tennis ball
• 2-3/4” hail stone = damage the size of a baseball
• 4” hail stone = damage the size of a softball
• 4-1/2” hail stone = damage the size of a grapefruit

Should I replace a roof after hail damage?

By those measurement estimates, it is certain that hailstones can definitely damage a roof. A ¼” hail stone won’t cause that much hail damage to roofing that is in good condition. With a roof that is 15 years old or older, that same ¼” hail stone could cause severe hail damage. Roofing conditions are going to affect the amount of damage.

If the roof doesn’t have any leaks, there is no need to replace it, though you should have it inspected by a professional roofing contractor. An experienced contractor that knows how to repair roof hail damage can advise you of the need for the repairs needed, if any.

How do you prevent roof damage from hail?

You can’t really “prevent” hail roof damage short of building a shed over your entire home. However, you can choose a Class 4 roofing material that is rated by the UL for impact resistance. So, does insurance cover roof hail damage? Maybe, if your roof is less than 10 years old and has been well maintained, then yes, your homeowner’s insurance will typically pay to replace the roof or for basic repairs.

Topping It Off

When there has been a significant weather event in your area, having a professional roofing inspector come out is recommended. They can also inspect your siding and other areas around your home for hail damage. Your insurance company will have an adjuster out to inspect as well and, if possible, it’s a good idea to have the contractor there at the same time.

Identifying Storm Damage

Spring is the most common time of the year for hailstorms here in Texas, but that’s not to say we’re immune to random cold fronts that bring hail all year long. With heavy rains, high winds, and various sizes of hailstones, a home in this part of the country isn’t a stranger to storm damage.

Storm damage to roofing is the biggest insurance claim by homeowners all across this state, including this area down south. We have the cold fronts from the north that bring hail and we have hurricanes from the south that generate hail. But what is storm damage to a roof exactly?

Sometimes that’s obvious, and you know it’s time to find quality repairs for storm damage in League City, TX. When that happens, reach out to Professional Roofing Systems at (281) 338-7663 to get the help you need.

Common Signs of Storm Damage

Storm damage specialists provided this list of roof storm damage that you may experience:

• Wind: Winds of 74 mph or faster are considered hurricane-force winds, and gale-force winds are clocked at 39 to 54 mph. These winds will cause visible storm damage to your ripping or tearing off shingles, which leaves the underlayment, roof decking, and any waterproof material exposed to more rain and other elements. Even a less severe storm that has sharp and sudden gusts can curl and lift shingles off the roof.

• Hail: Yes, a hailstorm is usually short-lived, but can it do the damage in those few minutes! The hailstones make dents and pockmarks on the shingles, knocking off shingle granules. Once the shingles lose their granules, they lose a layer of protection from the rain and sun.

• Standing Water: If your roof doesn’t have good drainage, water will back up under the shingles and puddle up anywhere that isn’t sloped to drain. Clogged gutters are often what create poor drainage, and that refers back to the hail damage knocking granules off the shingles.

• Debris: High winds from a severe storm can blow debris up on your roof, including tree branches and tree limbs. These can call dent the roof as they land, knocking shingles loose and granules off.

How do you know if your roof is damaged?

Roof damage and issues will add up quickly if you aren’t on top of getting repairs made as soon as you notice any amount of storm damage. Professional storm damage services recommend watching out for six things.

Old Records

The lifespan on most roofs is 30 years maximum, depending on how well you keep it maintained and the weather. Other factors that will determine the life of your roof are the quality of the materials and workmanship when it was installed. If your roof is reaching the 20-year mark, it is time to start shopping for a new roof because you can be certain there is some storm damage somewhere.

Attic Issues

Examine the attic for water stains running between the ceiling and walls, water damage to the insulation and rafters. If you see any mold, then you have a moisture build-up of some level. Even the smallest dripping leak will turn into a bigger and more expensive problem.

Damaged Shingles

From outside, look up and notice if the shingles are lying flat to the roof, or are they buckled and curled? If they are, you can be certain they are probably cracked and otherwise damaged, all indications that you have either storm damage or sun-beaten roofing and it is time for a new roof.

The Seals

Check the roofing seals around the chimney, skylights, and vents. If the flashing is missing or loose, then you have a good chance that rain has gotten up under the shingles.

Sagging

A roof that is drooping or sagging is an indication that the roof decking and rafters are weak. There are probably rotting boards and trapped moisture, which need immediate attention for repairs or replacement.

Mold and Moss

Do you notice any fungi, mold, or moss on the roof, especially on the shady side? This is an indication that there is moisture build-up, which has mildewed the roof and created mold that is spreading. Mold can make everyone in your home get sick as it gets pulled up in the vents and travels through the air ducts.

What are the signs of a leaking roof?

Here are four indicators that you have a leaking roof on your home:

• Ceiling Has Stains & Wet Spots 

The only thing more obvious would be a huge hole with water gushing in. Stains and wet spots on the ceiling are usually an indicator of roof storm damage like missing shingles and other materials, like flashing.

• Attic Moisture & Mold 

Moisture and mold in the attic can be caused by a leaking roof caused by storm damage, the attic doesn’t have sufficient ventilation, or the appliances and plumbing ventilation isn’t vented to the outside.

• Roof Deck Wet

When the roof deck is visibly wet, that’s one problem. Finding out why it is wet is another problem. Either way, it is typically from storm damage.

• Rusted Stove Pipe

If you see rust around or water coming down a fireplace pipe, this indicates the flashing is loose or missing and you have roof damage. This can be storm damage, or simply the flashing has come loose and needs to be re-attached or replaced.

Is storm damage covered by insurance?

For homeowners, this is always a big question, and the answer about storm damage and insurance claims is always “it depends”. You call your insurance company and file a storm damage claim. They send an adjuster out to inspect the storm damage. If they determine the storm damage was caused by owner neglect, meaning you should have repaired or replaced the roof sooner, then your claim will be denied.

In Closing – What is not covered under homeowners’ insurance?

Sometimes, it appears homeowner’s insurance doesn’t cover more than it does. Here is a brief list of what most insurance policies will not provide coverage with:

• Bird damage
• Insect damage
• Termite damage
• Mold, rot, and/or rust
• General wear and tear
• Smoke or smoke damage from agricultural or industrial operations
• A poorly installed or manufactured item

If you need help with roof repairs for storm damage in League City, TX, there’s no reason to delay. Reach out to the Professional Roofing Systems team today by calling at (281) 338-7663.

When You Need Urgent Roof Repair

Ah – there’s nothing more relaxing than a light thunderstorm on a summer afternoon. Until you notice the roof is leaking, anyway. You go from a relaxing moment to urgent roof repair in 0 to 60, or faster. Is this roof leak repair something you can do yourself, or do you need to call a roof repair company ASAP?

Is your roof leak an emergency?

Yes, even a small dripping leak roof repair is an emergency. Why? Because the smallest leak can develop into a larger problem, and before you realize it, or you may not even realize it, a big leak can cause severe water damage to your home.

Does that mean you need a total new roof? Not necessarily.  If you can do a temporary roof repair to stop the leak, call a roofing contractor next and have them come inspect your roof. They will advise you if a total new roof is needed or if they can do a professional permanent roof repair for you instead.

To start, get up to 3 professional inspections and quotes, then compare their findings and costs. Ask each of them for references and then decide. However, if you have a major leak that you can’t make a temporary roof repair for, you may have to take the first roofing contractor you can get.  Once the roof repair is done (or the roof is replaced), ask about a preventative maintenance program; this could help you avoid another urgent roof repair in the future.

Do you know what to do if the roof is leaking?

• The first thing you need to do is damage control. Remove any electronics and furniture away from the leaking area and cover what you can’t move. Soak up any water you can with towels and then use a shop vac to clean up the rest.
• Your next action is to find where the leak is coming from, and that means a trip to the attic. Once you’re in the attic with a flashlight, follow where the water is coming in. That will be where you need roof repair done.
• Remember, water follows the path of least resistance, so it may be coming from the other side of the house and running down a rafter.  Look for wet insulation and stains on the roof decking above your head. Look for mildew, mold, and stains on the insulation and rafters.

How do you fix a leaking roof from the inside?

Now that you see where the water is coming in, get a piece of plywood cut to size, roofing cement, and roofing nails. Spread the cement around the leaking area, then place the board over that, nail it in place, and spread roofing cement around the edges of the board.

If you’re able and willing to climb on the roof, wait until it has quit raining, and then take shingles or plywood and place it over the leaking area. Follow the same roof cement, plywood, and nail process we describe above. If you aren’t able to do this yourself, call a roofing contractor first, then your insurance company.

Is a leaking roof covered by insurance?

Every homeowner’s insurance policy is different, but in general, a roof leak and subsequent roof repair is covered by a peril. This is when damage was caused by a weather-related event like a hailstorm, lightning, wind, or a fire.

Any accidental roof damage coverage will be dependent upon what your homeowner’s policy stipulates. Claim acceptance or denial will be determined by the insurance appraiser. If the appraiser deems the roof was old or finds that homeowner neglect allowed shingles to blow off, your claim will be denied.

Why repair a roof leak?

When your roof has a leak, roof repair is important. Even the smallest of leaks will turn into a bigger leak as water is a home’s enemy when it isn’t contained. For a homeowner, the insurance company considers roof repair and maintenance services to be a homeowner’s responsibility.

The maintenance and upkeep of a roof include gutter cleaning and keeping trees trimmed back from the roof. Do your own roof inspection on a weekly or monthly basis; having a professional inspection done by a licensed roofing contractor annually is also recommended. With these routine inspections, you can find small issues before they become bigger problems. With a home, the bigger the problem, the costlier it will get.

Final Words To Top Off This Article

So, if the insurance company denies your roof repair claim, can you write off roof repair? Unfortunately, no. Roof repairs are not tax-deductible nor is a new roof. Installing a new roof or having roof repairs done is considered home improvement and home maintenance, something a homeowner should be doing for the sake of owning the home.

Home improvement costs could increase the basis of the property value, however. The higher the property value, the higher the taxes could go, and this could affect the cost of your homeowner’s insurance too. If it’s time for you to repair a leaking roof, dial (281) 338-7663 to speak to one of the roofing pros at Professional Roofing Systems.

Getting a roof you can depend upon

It is exciting yet scary with a crew comes to install a roof on your home. The excitement of an upgrade to your home. Scary about all the things that could happen. A new roof installation is an investment for your home, which is an investment in itself, and the roof install cost can stun anyone because it is not inexpensive.

While just about anyone with a ladder and hammer could claim they know how roof installation goes, that doesn’t mean they have the experience. This is why you need to take time to interview, collect quotes, and follow up on referrals before deciding who installs roofing on your home and has references that prove they know how install roof shingles correctly.

Or worse, during storm seasons, it isn’t unusual to get fly-by-night companies going from house to house, offering cheap prices, taking half the money for down payment, then never to return. Or they do a shoddy job, and you end up having to pay another contractor to fix how they install a roof on your home.

The first hint that the contractor you choose to install a roof on your home isn’t experienced or legitimate would be they get the job finished quickly – maybe a little too quick? How long does roof installation take when done correctly?

Unfortunately, there isn’t a set amount of time for how long it will take to install a roof on any home. Roof installation isn’t a one-size-fits-every-roof. for an average home, one story, and all the conditions are optimal for the time of install a roof, you could be looking at a one day job or up to three days.

There are 7 factors that can affect the time to install a roof:

The Weather

• Additional steps are needed while install a roof in the cold weather. This means it could take longer than normal. If the roofing is being replaced during cold weather, additional steps are necessary that require additional time.
• Don’t expect an experienced and reputable roofing contractor to install a roof in ice, rain, or snow. This makes your roof decking vulnerable to getting wet and it is dangerous for the crew.
• Asphalt shingles do not like cold weather, so the roofing contractor will need to take extra care and steps in getting the shingles to stick and seal as they install a roof. Ideally, the temperature should be at 40 degrees or higher to install a roof.

Materials and Design

• Roofing shingles are available in a variety of materials today, and each of them has their own intricacies to install a roof. These intricacies could take longer to complete the job.
• The average time frame to install a roof with these common shingle materials are:
  • Asphalt Shingles – 1 to 3 days
  • Wooden Shingles – 6 to 8 days
  • Slate Tiles – 6 to 7 days
  • Concrete Tiles – 8 to 9 days
• If you have a specific design for the shingles when installed, this can add to the time frame listed above. The more complex & intricate, the longer to install a roof.
• If you have chosen to have the contractor install roof insulation in addition to the basic insulation and roofing materials, this will add some time to the job.

The House Size

• The larger the house, the longer it takes to install a roof. An average size home of 1200 square feet on one level, install a roof can often be done in 1 day. A sprawling, multi-story home of 3,000 square feet, install a roof could take 3 to 5 days.

The Steepness

• A steep roof is challenging to walk across and while install a roof, there is often the issue of equipment and materials sliding off. The crew will need to wear additional safety equipment which can hinder how fast they install a roof.
• A shallow roof pitch will require the roofing crew install special underlayment to keep the water from backing up and penetrating the roofing envelope. This is a necessary step to install a roof  of that pitch, which is added time to the job.

Historical Significance

• An older home that is a historical landmark will require additional time to install a roof for the contractor and crew to take extra care in maintaining the historical aspect and structural integrity.
• A historical home often requires special permits which can delay the install a roof.

Accessibility

• A home with bushes, flowerbeds, and landscaping can make it difficult for the contractors to access the roof easily.
  • Houses that are close together, typical of urban housing, can make it a challenge to get the equipment, ladders, and materials up and down to install a roof.

Structural Damage

• If there is any structural damage to the home, especially the roof deck or the structure under the roof deck, before the contractor can install a roof, repairs will need to be made.

How much is roof installation?

Again, this isn’t a set price and not all roofs are the same. The factors that will determine the cost to install a roof on your home will be the type of material you choose, the size of your home, and any unforeseen issues like structural damage.

On average, the national cost to install a roof cost around $4,800 and up to $10,000 and up, with the medium cost around $7,200. Again, the material you choose and the size of your home are two of the biggest factors in determining the cost.

As you interview roofing contractors and get quotes, as them their routine of when to install roof flashing, and make sure that the flashing is on the written quote. There are contractors that will try to reuse your old flashing, which is okay as long as it is installed correctly and is in good condition. If you’re being charged for new flashing, you want to make sure you get new flashing. Need roof installation in League City, TX? Call (281) 338-7663 today.

Filing a claim

You know as a homeowner that you’re required by your mortgage holder to have homeowner’s insurance. You know the basics of what that insurance covers, and it includes roof insurance. Claiming any kind of damage to the roof, you’re not sure how that works.

Maybe because you’ve not had any claims to file or not enough damage to warrant the hassle. Or is it because you don’t understand the process and what steps you’re expected or should take to file a roof insurance claim. It can be confusing and overwhelming.  Read on as we answer a few questions that are common for most homeowners.

Starting with, just how do insurance roof claims work?  The weather here in Texas can be beautiful one day and brutal later that same day. This makes it even more important to have homeowner’s insurance, even if you don’t have a mortgage!

Should the time come that you need to file a roof insurance claim, getting through the entire process can  is going to be daunting the first time. Here are the usual steps that you can expect to go through when you file a roof insurance claim:

• TAKE PICTURES AND MAKE NOTES: When your home has sustained roof damage, take pictures, even videos, and make notes. You’ll need these when you contact your insurance company.
• A PROFESSIONAL ROOFING CONTRACTOR  INSPECTION: First phone call should be to a professional roofing contractor. They will inspect the damage and your entire roof. Shouldn’t you call your insurance company first? No. If the damage is severe, you need to get the person that will be repairing it there first.  Additionally, the roofing contractor inspection will let you know if there is enough damage to file a roof insurance claim. If the damage doesn’t exceed your deductible, then filing a roof insurance claim is frivolous.  Have the roofing contractor provide you a detailed estimate (an experienced roofing contractor knows what insurance companies expect) and ask them to take pictures of the damage. The information and pictures from a professional roofing contractor will be imperative for filing a roof insurance claim.
• FILE ROOF INSURANCE CLAIM: If it is determined that there is sufficient damage beyond your deductible, contact your insurance company and request to file a roof insurance claim.
• THE INSURANCE ADJUSTER: The next step by your insurance company will be assigning an insurance adjuster to your case. The adjuster will contact you to schedule an appointment so they can inspect the damage to your roof and the rest of your property. Request your roofing contractor be there when the insurance adjuster arrives and walk through the inspection with them. Remember, the contractor is your advocate. The insurance adjuster is the insurance company advocate.
• THE INSURANCE ESTIMATE AND PAYMENT: Once the adjuster has submitted their report to the insurance company, they will notify you of their decision to pay the roof insurance claim and how much.  Should you accept, they will issue a check for the repairs or replacement. Most insurance carriers pay the claim in two payments. The first check will be for actual cash value of your loss and is sent to your mortgage company for endorsement. They will either send you a check or send a check to your roofing contractor.
• COMPLETING THE PROCESS: Contact your roofing contractor they have received the adjuster’s findings and that the amount is sufficient to cover the repairs or replacement. If there are issues with the amount, many roofing contractors will handle talking to your insurance company on your behalf.
• SCHEDULE THE ROOFING JOB: Next, schedule the job with the roofing contractor.
• SECOND INSURANCE ESTIMATE & CHECK: Once the job is complete, your insurance company will send you the final check for your  roof insurance claim . It will have the final project scope that will detail the depreciation amount and your deductible that was held.  Once the insurance company has been notified the job is complete, and any negotiating of the amount is resolved, they will send you or your roofing contractor the final check.

What kind of roof damage is covered by insurance?

Your homeowner’s insurance will usually provide common standard coverage for the dwelling. This includes your home and any attached structures. Then there is coverage for other structures like unattached garage, gazebo, fence, etc.

This is referred to as HO-3 homeowners’ policy and is the common form of coverage. There are sixteen different disasters that are covered by HO-3 policies as a standard in the insurance industry.  Among those disasters that can cause roof damage are:

• Accidental water discharge from air conditioners, appliances, heating system, sprinkler systems
• Accidental, unexpected bulging, burning, cracking or tearing of air conditioning and heating systems, hot water heater, or sprinkler systems
• Aircraft or other Falling objects
• Civil unrest and riots, other malicious mischief and vandalism, theft
• Explosions, fire and lightning
• Frozen air conditioning or heating system, appliances, plumbing, sprinkler systems
• Hail and windstorms, weight of ice, sleet and snow
• Power surges, smoke, vehicles
• Volcanic eruption

Not all HO-3 policies will cover all perils, review your policy and clarify with your agent what coverage you have. Each insurance company will haver exclusion and those exclusions are not the same on every policy. Exclusions may include earthquakes or floods, landslides or mudslides, nuclear accidents, sinkholes, or war.

What do insurance adjusters look for on roofs?

In a general, when an insurance adjuster assigned to your roof insurance claim will look for the following:

• Age of the roof
• The original installation work
• Broken and missing shingles
• Normal wear and tear
• Weather damage
• Tree damage
• Nails popped up or missing
• Normal problems from constant exposure to environment
• Attic condition, including the insulation
• The roof decking
• Interior damage in the home, including ceiling and walls
• Basic homeowner maintenance and upkeep of roof

Will insurance cover roof leaks?

If the leak is due to perils listed as covered in your policy, your roof insurance claim will be accepted and paid after the adjuster’s inspection.  Should the adjuster find the leak caused by homeowner neglect of maintenance and upkeep, your roof insurance claim will be denied.

Some home insurance policies will exclude roof leak coverage specifically, which is an HO-8 insurance policy, standard for an older home that is considered a high risk.

What is the deductible for roof replacement?

This can vary from policy to policy, it is an option you choose when you take a homeowner’s insurance policy.  The deductible is the amount you’ll be expected to pay toward the cost of your roof insurance claim, whether it is repairs or replacement. If you chose a $500.00 deductible and a new roof is quoted at $8000.00, your insurance company will pay the rest, minus any other deduction the insurance adjuster determines. Those other deductions will be the age of the roof, poor installation, homeowner neglect, etc.

How can I get a new roof without paying deductible?

In the State of Texas, it has been a law since 1989, with a revision of that law was signed in by the governor that all homeowners must pay their deductible. There is not a legal way to get out of paying your deductible.

For a roofing contractor to offer any of the following, they and you will be guilty of a criminal offense:

• Contractor pays the insurance deductible;
• Contractor waive the  insurance deductible;
• Contractor absorbs the insurance deductible;
• Contractor offer you a rebate on the insurance deductible; or
• Contractor quotes the job to offset the insurance deductible.

How long does a roof insurance claim take?

Every insurance company is different, and if there was widespread damage in your area, you can expect the process to take a little longer. However, the average is up to two weeks. This includes the insurance company receiving the loss statement and issuing the check. Today, thanks to technology, some insurance companies are able and will cut you a check after completing their inspection at your home.  Most insurance companies however are still doing the old school method.

Will my insurance go up if I get a new roof?

Insurance rates increase typically because of the company’s overall claim payout of all their clients and the cost of living increases, not specifically for each insured client’s claim. However, if the insurance company sees that your home has added risks, this could increase your rates, and just the opposite can happen too. Meaning, a new roof could make your home safer, and your insurance rates will drop.

These are things that you can discuss with your insurance agent. Before you actually fail a roof insurance claim, discuss the situation with your agent and they can advise you if it is worthwhile and what, if any implications may be result.

Should I file an insurance claim for my roof?

If the damage is significant and caused by a covered peril, then yes, file a roof insurance claim. If the damage is minor, make or pay for the repairs yourself. With roofing damage, have a roofing contractor inspect the roof, even it appears to be a few missing shingles. There can be more damage than beyond a few missing shingles. Need help with your roof insurance claim in League City, TX? Call (281) 338-7663 today.