Roofing Newsletter
Pantego Construction - Roofing
817-277-7325
Phone answered 24/7
Specializing in residential roof replacement.
Newsletter
April 15, 2007
Recent Storm
I hope that everyone escaped Friday night's wind, hail and tornado damage. But there is a good chance you or someone you know was affected by this storm.
I have already had a number of calls and e-mails asking about what a homeowner needs to look for or needs to know about the possibility of hail damage from Friday nights storm.
As a rule:
Hail the size of a quarter or larger will damage a roof.
If you see car metal body damage at your home, roof damage is almost certainly a good possibility.
If cars on your street show damage, you might have roof damage.
Other damage to note: the "clean" marks on wood fences, driveways and walks, torn screens, and damaged AC units, dented turbines and damaged furnace and hot water heater vents pipe caps, and broken skylights. Most shingle damage will not be visible from the ground. Hail leaves dents in the soft shingle material, and only later will the granules wash off, and the shingle then deteriorates over time.
This storm will most likely be classed a Catastrophe. The insurance companies will be moving their adjusters and the independent adjusters into the area this week. If you call you agent, they pass your name onto the company, and that starts the claim process. An adjuster would contact you, survey the damage, write a report, should explain coverage, deductible, and recoverable depreciation.
Generally, the recoverable depreciation is an amount that is withheld until the roof is repaired. An older roof has more depreciation, and a larger recovery amount is witheld till the roof is repaired. Note: the quality of roofing you have such as a 20 year shingle, vs a 30 year shingle, is a factor in depreciation.
You get a detail summary of the claim, the first check less your deductible, and the instructions for recovery of your second check. The adjuster's report is an estimate for repairs, and might not be correct, or not be enough to do the repairs. They may increase what they need to pay to do your repair if you ask after you receive your bid from your contractor.
Don't let someone rush you into re-roofing. In Texas you have 365 days from the date of loss to do your repair and get your second check. And even then you can make a written request for an additional 180 days.
You would of course need to repair any leak with a temporary repair to stop any further damage.
Give us a call at 817 277-7325
Newsletters:
April 15 — Recent hail storm, things to know
April 17 — Contracts and more
April 19 — More on the claims process
April 20 — New "roofers" in the area
April 22 — Material costs
April 29 — Bids and your deductible