Filing a Roof Insurance Claim
Storm damage to your home’s roof can be a stressful experience. It can disrupt your life and damage your personal property. Nebraska is no stranger to heavy storms, tornadoes, high winds and hail.
Please call us if you believe that your house has been affected by storm damage. In nearly all cases, it is better for an experienced contractor to inspect your roof and other scopes of damage first before involving your insurance company. In fact, it is a common practice for insurance companies to have roofing contractors inspect the roof and other damages before they will send one of their adjusters on site to look for damages. It is imperative that an experienced contractor well versed in hail damage inspect your roof for damages. Our primary goal is to explain whether or not filing an insurance claim is valid and in your best interest.
What is Hail Damage?
A hail-damaged shingle has a bruise or puncture that causes the protective top layer of the granules to be removed, and/or damages the back of the shingle matting. How soon the shingles will fail after a storm is nearly impossible to predict. There is a clear correlation between the number of hail hits on the roof and the penetration depth that each hail stone that has impacted the shingle. In all cases, if a shingle is damaged by hail, the life of the shingle will be reduced. In some cases, the shingles may be damaged but no noticeable issues reveal themselves until a later point; over time the sun’s UV rays, water, snow, etc., can further weaken and break down areas that had granules disturbed by hail impact. It is important to have an experienced professional contractor check your roof for hail, as it takes a trained eye to discern hail damage from normal wear and tear. In most cases, hail damage is only visible when standing on the roof and physically inspecting specific shingles.
Our Home Inspections
At Horn Industries Roofing, we are constantly working to further educate ourselves on the technical aspects of our industry. Over the years, our team has worked with a number of insurance adjusters, engineers and certification programs to improve our competency in assessing storm damage. Our inspectors are certified and some are former lead adjusters. We conduct our assessment in a similar manner to insurance adjusters.
Here is what to expect on a typical roof inspection: One of our qualified team members will come to your home and introduce themselves. They will then conduct a detailed inspection of the exterior of your home (siding, windows, doors, overhead doors, deck, gutters furniture etc) and roof. Many times, if there are hail hits on your home’s exterior (such as on downspouts or windows), it is a good indicator that damages may be present on the roof. We often call that “collateral damage”. During the home inspection, our representative will closely inspect to see if damage is present.
Some of the common items inspected are:
The 5 Steps To Successfully Submitting
Your Insurance Claim
Before you call your insurance company - Get a free roof inspection done by a certified professional
Submit your insurance claim
Dual inspection: Insurance adjuster and licensed general contractor
Schedule your roof repair (or roof replacement)
Your deductible should be your only out-of-pocket expense
For more information