How can we help you with your claim? Here are some examples of property claim situations we have remedied in the past.

Example 1

Medium sized property with a wood shake/shingle roofing system.
Approximately 12 years old.

Roofing system showed wind damage (a few missing shingles) and some hail damage in the field area and the valley metal was obviously damaged by hail.
Insurance carrier paid to replace a few shingles and the valley metal.

Wood shake is a special type of roofing system that must be installed a certain way in order to retain it’s water shedding ability. It would not be possible to allow for a repair that retain it’s protective abilities that a contractor would stand behind and provide a warranty for.

In the end, this properties’ entire roofing system was replaced and the property owner was put back to a pre-storm condition.

Example 2

Large property with a stone coated steel shingle roofing system.
Approximately 10 years old.

Roofing system showed a significant amount of large hail damage. Hail damage actually knocked off the granules and coating.
Insurance carrier cited an exclusion in the policy; also called a “Cosmetic Waver” and refused to pay for any damage calling all damage cosmetic.

Stone coated steel is a resilient roofing system, but as we know there has been very large and damaging hail cells in many places across the US recently. Once the coating and granules are knocked off of the shingles, the steel will start to oxidize (rust) and loose it’s protective ability. This can often be proven by an engineer or manufacturer’s assistance.

Cosmetic Wavers do have their place in the policy, but does not exclude structural or any type of damage that reduces the life of the roofing material or it’s protective abilities.
This roof was fully replaced and brought up to code as it should have been in the first place.

Example 3

Average sized property with a laminate (architectural 30 year type) shingle.
Approximately 5 years old.

Roofing system showed little hail damage but large amounts of wind damage on two slopes of the 4 slope property.
Insurance carrier paid for one slope of the property and a few more shingles. Insurance carrier cited bad installation procedures as the culprit for the majority of the damage.

There are a few issues in this scenario. First of all, a property owner must be indemnified per their insurance policy. Basically they must be brought back to a pre-storm condition both physically and financially. We all have seen houses that have different colored shingles on parts of the house. Even if they are the “same color” it is not possible for a new shingle to look the same as a shingle that has been out in the sun and weather for at least a few years. Manufacturer’s also often change the base colors of their shingles in different runs of manufacturing. If you have two different colors of shingles on your property, is your property worth the same amount it was when the entire roof matched? If you had to sell it tomorrow would it sell for the same price? Would you pay the same amount for a house with two different colors on the roof? No, you wouldn’t. Therefore the property owner has not been indemnified financially when only paying for one or two slopes.

The second issue is the claim to poor installation. Shingles have a tacky seal strip that seals the tab down to the shingle beneath it. When the wind gusts and blows the shingle up, carrying with it dirt and debris, a majority of the time it will not seal back down. Especially when this happens multiple times in multiple places on the roof. Once this starts to happen it will start to effect the surrounding shingles and create zippers, or a diagonal line of attached shingles that have not only released their seal but been blown hard enough for the fastener to be pulled through the shingle. Once you have a certain number of these types of damaged shingles in an area, it becomes more cost effective to simply replace the entire roof than repairing multiple areas.

In the end it was agreed upon to replace the entire roofing system as repairing didn’t make sense.

Have a question about your claim? Please let us know! Consultations are free!