What We Look For

Damaged Shingles

Hail strikes to asphalt can cause micro-fractures in the shingle material, exposing the underlying asphalt and making it more vulnerable to further weathering and water penetration.

Damaged Metal Components

Hail damage to metal components can lead to a variety of issues, including dents, cracks, misalignment, coating loss, and corrosion. These damages can affect the performance, appearance, and longevity of these parts of the roofing system, potentially leading to water infiltration, leaks, and other structural issues.

Roofing Terminology

Underlayment: A protective layer that lies on top of the decking. It's usually made of felt or synthetic material and acts as a moisture barrier.


Decking (Sheathing): The base layer of the roof, typically made of wood or plywood, which provides support for the rest of the roof.


Drip Edge: Is a piece of flashing that's installed along the edge of a roof to divert water away from the roof and into the gutters.


Roof Starter: Aid the roof's water-shedding function by covering shingle joints (and cutouts in traditional three-tab shingles) at the eaves.


Flashing: Metal strips that are used to seal joints, particularly around chimneys, vents, and roof valleys, to prevent water leakage.


Ridge Cap: The peak of the roof, where two roof slopes meet. It helps prevent water infiltration at the roof’s highest point.


Negligence: Is failing to take necessary precautions or maintenance. Insurance policies often exclude coverage for damages caused by negligence, especially if it involves willful neglect or failure to maintain the property.

Insurance Terminology

Act of God: Is an insurance claims that benefit homeowners by offering financial protection against large-scale, natural disasters that regular claims don’t typically cover. It provides peace of mind for uncontrollable, catastrophic events that can otherwise cause massive financial strain.

Denial Due to Pre-Existing Damages: Is a common reason insurance companies refuse to pay roofing claims. Insurers often look for evidence that damages existed before the most recent storm or covered event . If you wait for another storm hits they can deny your claim entirely

“Every day you wait increases the risk of denial, higher cost, and lost coverage. Let’s inspect your roof now while there’s still time to maximize your benefits!”

 FAQs

  • In many states, including Texas, there are protections against immediate rate increases for natural disaster claims. Insurance companies must get approval from the state for a rate hike after a widespread event. This means that if the hailstorm is a large-scale event, you may face rate increases in the future regardless of when you file.

  • An Act Of God is an insurance term that describes a natural event or disaster where there is little the homeowner could have done to prevent the damage. Acts of God include earthquakes, hurricanes, tornadoes, and even severe storms.

  • An Annual inspection is typically sufficient for most homeowners to maintain proper insurance coverage and ensure the property’s condition. HOWEVER If you live in an area prone to severe weather, it's a good idea to inspect your property immediately following any major storm, hail, or natural disaster to assess potential damage. Even if you don’t plan to file a claim, you may want to ensure that your property is still in good condition and that no hidden damages could result in larger problems

  • Preserving Evidence: If you file your claim early, the insurance company can assess the damage while the evidence is still fresh, which can help ensure that your claim is accurately evaluated.