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 Common types of Storm Damage

Wind & Storm

Though sometimes invisible, the damage resulting from excessively high winds is often quite easy to see. Modern roof shingles are better designed than their predecessors in terms of wind resistance due to ever-increasing standards and knowledge, but there is often little that can be done to prevent wind damage in the most extreme conditions. Wind-damaged roofs often appear to have been affected only in particular spots of the structure – the visual effect that this leaves is that the shingles have a crease from where it has been flipped over. The perimeter or edges of the roof are easily affected by high winds in this way, as the edge of a roof is particularly vulnerable to lifting.

Hail

The round dings in metal are obvious signs of hail damage. However, determining whether your roof has sustained damage from a hail storm may be a little more difficult.  Once hail hits the roof, the protective granules are knocked off at the point ofHail Damage strike, and these damaged areas are the sources of roof leaks in the future, if the roof is not fixed within a few years.

 

Storm Debris

Although some damage from debris may be visible, during violent storms debris flying through the air can hit your roof, causing damage that you may not even notice. When a hard object hits your roof, it can break the fiberglass mat that is inside the shingle. Once that mat is broken and fiberglass shattered, the shingle will begin to deteriorate over time. It’s important to have your roof inspected after any storm which has caused branches to break from trees or high wind to blow objects through the air.

 

 

Snow

Snow mostly causes damage due to it’s weight, and that weight increases immensely when rain, ice and sleet are added to the mix. Two feet of snow on the average-sized roof can be the equivalent of 38,000 pounds, or 19 tons. Often, the obvious sign that a roof is about to give way is sagging.

Ice

Each winter, the functionality of many roof and gutter systems are effected by fluctuating temperatures that cause snow to melt and then refreeze on the edge of the roof, creating a dam. Ice dams form a barrier that water cannot pass. This means that as more snow on the roof melts and trickles down, it gets blocked by the ice dam and forms a puddle. Since your roof wasn’t designed to handle standing water, especially as that puddle grows and the water line moves up the roof, the water can then seep through tiny openings in the roof and into your attic or home.


Expert Inspection

Professional Representation

It is extremely important that you hire the right company for the job. We frequently receive calls from homeowners who have been denied for roof replacement or have only been approved for a partial repair to their roof. While they most likely hired a good contractor who could complete the repairs, unfortunately the contractor did not understand the insurance claim process.

Understanding the Insurance Claim Process

RUS Roofing understands the insurance claim process, policy guidelines and how each individual insurance company evaluates and determines whether hail, wind or a severe storm has damaged your home. RUS Roofing will walk you through the process to settle your insurance claim.  Our process is efficient, timely and guarantees you the best possible result.

Each insurance carrier utilizes their own specific criteria that must be met, documented and verified—to determine if your roof and exterior of your home or commercial property should be repaired or replaced due to storm damage.  We have worked with all of the insurance companies, and have a great understanding of how they will evaluate the damage. Our experts will help you understand these documented guidelines and verify whether your property suffered storm damage.


 Insurance Claims Specialists

 

RUS Roofing representatives handle more than just inspections and repairs, we’ll help you through every step of the insurance claim process.

We are here as an advocate for your best interests. We’ll also negotiate with your insurance adjuster on your behalf to resolve and settle your claim in a timely manner. We are your Insurance Claim Specialists

If you have recently filed a claim with your insurance company, received an insurance settlement, or would just like to know whether it makes sense to pursue an insurance claim, RUS Roofing and our team of claims specialists can help. Call us today and a representative who is well-versed in the claims process will be able to help you in as little as 24 hours.

Our Insurance Claim Specialists Provide:

  • Expert examination needed to identify your storm damage.
  • We’ll be on location with your insurance adjuster when the damages are assessed & estimated by your insurance company.
  • Expert advice in case of denial of insurance coverage on the appeal process and your rights to pursue fair settlements.

Insurance Claims Process

Step 1 – Call RUS Roofing for a free inspection

As soon as you suspect storm damage, call RUS Roofing to come out and perform a free roof inspection.  If damage is found, a storm damage report will be filed and we will take it from there.  We will contact your insurance company and give them all necessary information such as the storm date and extent of damage.  Your RUS Roofing Insurance Specialist will arrange a time to meet the adjuster on-site will ensure that they have an accurate damage report.

 

 

Step 2 - Insurance Adjustment

Once a claim has been filed and your RUS Roofing representative has conducted a damage assessment with the insurance adjuster, we will provide the adjuster with an itemized damage report.  Your Insurance Specialist will ensure that all damage is identified and included in the claim.

Step 3 - Scheduling your Repair or Instalation

When your claim is approved, the insurance company will provide a scope of work as well as the initial payment.  RUS Roofing will meet with you to schedule your project and select your materials. Installation will take 2-3 days to complete.

Step 4 - Project Completion

At the conclusion of the project, RUS Roofing will perform a final inspection to ensure that the job was done to your satisfaction. We will then invoice your insurance company for the remaining payment.


Insurance Claims FAQ

How long will it take to complete my new roof?

Once the inspection is done and the claim has been processed, the project is scheduled as quickly as possible. Once our roofers begin installation, it takes an average of 2-3 days to complete the job.  The claims process typically takes about three weeks.

Does RUS Roofing have insurance?

Yes.  RUS Roofing has General Liability and Workman’s Compensation coverage.  This type of coverage protects the property owner as well as RUS Roofing.  For questions about our coverage, please contact us.

What if my contractor’s estimate is different than my insurance estimate?

If your adjuster is called out before the roofing company inspector, the adjuster may overlook damage that the inspectors are specifically trained to find.  If the adjuster has already done an inspection and the est imate differs from RUS Roofing’s estimate, we will need to send them an estimate of our findings.  This extra step can be avoided by calling us first for an initial inspection.  Our estimates are made using Xactimate® pricing, the same pricing software used by most insurance companies.

How do I file a claim with my insurance provider?

Our expert insurance specialists will work through this process and make sure you clearly understand each step.  Once the RUS Roofing inspector has performed the free assessment, we will call your insurance company to complete this process.

Should I call my insurance company before I call a roofing company?

You should call us first for a free inspection to determine the extent of the damage.  RUS Roofing will work directly with your insurance company and handle your claim from start to finish.  We work with your adjuster to make sure that all damages are itemized for maximum coverage.

What is my time frame for filing a claim?

Insurance companies typically only pay claims for damage sustained and fixed within six months to one year of the event.

Can my insurance company raise my rates?

No. Typically insurance companies do not raise your policy rates when damage is caused by an “Act of God” (weather or natural disaster).  These fall into the category of no-fault claims.

Does RUS Roofing charge for Insurance Claim assistance?

Never.  Insurance Claim assistance is one of the many benefits of working with RUS Roofing.  All you do is file your claim.  We will do the rest as a service to you.

What is my time frame for filing a claim?

Insurance companies typically only pay claims for damage sustained and fixed within six months to one year of the event.