the Insurance & Claims Process
can damage your roof, siding or gutters without any
visible signs from the ground. Hail varies in size,
density, velocity at impact and duration. Golf ball
size or larger hail will break through your shingles
or cause bruising. However, even small hail with sufficient
density and velocity can cause your roof to bruise
and lose its protective granules. These bruises, left
untreated, will eventually result in blisters that
reduce the life of your roof. Cedar shake roofs split
from hail can weather more quickly and eventually
wind damage, such as missing or dislodged shingles,
is easy to spot. However, high winds can lift your
shingles, depositing dirt and debris between them,
to the point where they do not seal properly. Wind
can also crack or break your shingles without dislodging
them. Both types of damage are not always visible
from the ground, but will greatly affect the life
of your roof. Lifted shingles or those that do not
seal, are more susceptible to future damage from wind
with velocities under 60 m.p.h.
the shingles or membrane protecting your roof is damaged
from hail, wind, snow or debris such as a fallen tree,
water can find its way into your attic or the space
between your vaulted ceiling. Over time this moisture
can rot the roof joists, causing structural damage,
or worse; lead to black mold that can cause health
problems. Most roof damage left unchecked will eventually
result in water damage.
snow, fallen trees and rotting from moisture can cause
minor to severe structural damage to your roof. If
not repaired, this damage can become a safety hazard.
to Make a Claim Contact
your insurance agent if you have had hail or high
wind in your neighborhood. You will be assigned
a claim number and an adjuster to inspect your property.
The adjuster will make an estimate of the damages
incurred. We will work with you as needed to assure
you receive a fair claim settlement.
adjuster will need to climb your roof to inspect
it for signs of damage, just as it is necessary
for a roofer to climb your roof in order to repair
it. In the case of hail or wind damage, the adjuster
will measure out a “test square” on
every slope of your roof. If he can find enough
breaks, splits or lifted shingles per “square,”
then the adjuster will total those slopes and possibly
your entire roof. Your insurance will pay to repair
or replace your roof, less the cost of your deductible.
You are entitled to have your contractor-of-choice
represent you during the adjustment process. This
will save you from time off from work and the general
headache of the claims process.