Your Insurance Restoration Experts
Damage to roofing materials including wood shakes, membranes, flashing, metals, shingles, weather stations, etc, can be caused by wind-drive hail as small as 3/4" in diameter. Damages often require extensive investigation & testing to include test squares and shingle samples. It is unusual for hail damages to cause immediate malfunction or leaking so do not allow a leak to be your standard for seeking help. If large hail hits your property, you should call. There is a limited window of time to report damages to one's insurance carrier and still reasonably expect coverage. Most hail damage causes failure over time and warrants replacement based on a reduced life span. Building codes generally require all layers to be removed prior to the installation of new roofing materials. Insurance policies generally cover replacement of the entire assembly to include bringing it up to current building code specifications but expect a lengthy adjusting process to include the possibility of Arbitration and the input of an engineer hired by your insurance company.
Damage to roof-top evaporative coolers, solar hot water and photovoltaic electrical systems is usually evident at first glance. Dented flashing, a detached supply line or cracked seals, are often regarded as minimal; marginally decreasing the efficiency of the assembly. However, the extent of the problems that the damages will cause you is usually not fully known for weeks, months, or even years. Usually, at the point of failure, it us unreasonable to expect an insurance company to pay for repair or replacement. For this reason it is important to identify and document these issues at the time you make your Claim. Furthermore, if your shingles need to be replaced, these systems may be able to be detached and re-installed but frequently require full replacement. This is very expensive and should not be overlooked.
Building Exteriors are often the most under-evaluated feature of a residential property when it comes to repairs. Chipped paint, cracked windows, dented gutters, gouged fences, dented overhead doors, broken light fixtures etc. take a lot of time and legwork to properly inspect, estimate, and repair. The main reason for this is that the damage can be subtle and figuring out the correct method of repair can be challenging. For instance, if stucco walls have chips or stress fractures from hailstone impact they may be repairable with sealant or a small patch. However, in order to gain a uniform appearance and restore the stucco to the condition it was in before the storm (un-patched) it may need to be demolished and re-applied in its entirety. Another issue is how each exterior component affects others when disassembled. For example, if there is siding to replace, what protrusions need to be removed and re-installed? How will this affect power, heating, air conditioning and communications services? There is a lot to consider and generally speaking, insurance adjusters can identify individually damaged components but have little or no experience pulling everything apart and putting it back together. Utilizing our Urgent Response, Estimating, Claims Processing, Legal, Production, and Quality Assurance teams will definitely make a substantial difference in the outcome of your Claim.