When it comes to good living, Texas is really hard to beat. Great folks, the world's best barbecue and the unmistakable pride that comes with being a denizen of the best place on earth – the Lone Star State.
We share a lot of great things in common. But there's one thing we share that isn't so great – all of those spring and early summer hail storms. Every year, they cause hundreds of millions of dollars in Texas and Dallas hail roof damage and leave us wondering whether or not we are covered with our homeowners policy and our hail damage roof repair insurance claim.
At The Chandler Roofing Company Inc., we make it our business to make life good again when hail puts you and your home in a bad spot. For 15, years homeowners all over DFW have trusted us for the very best inspections for hail damage to their roof, impeccable Dallas hail storm and roof damage negotiation with the insurance company, and the highest quality roof replacements you will find anywhere.
This is the only Dallas hail damage and restoration guide you (and your home) will ever need
We've put together this primer to get you through the painful process of dealing with the aftermath of hail damage to your roof. And if a Metroplex hailstorm hasn't hit you yet, don't worry, it's coming! Here's a report on the most hail prone cities in the United States. No surprise, Texas cities are all over the list.
This Dallas roof damage hail repair guide covers four main areas of preparedness and response to the next Texas major weather event that drops golf ball-sized hail on your house. Here is a list of the main topic areas we will cover:
Other than round ice, what exactly is hail, a hail storm, and why does it cause so much damage to my north Texas roof?
What are the near-term and long-term effects of hail roof damage
How do I handle a hail roof repair insurance claim
What types of roofing materials and hail resistant shingles can I install to keep the next hail storm from doing so much damage.
So, away we go on our journey to learn more about one of your home's arch enemies.
Hail – I know it's ice, but tell me more about it
What is hail and why does it cause so much roof damage in the DFW and north Texas area? Obviously hail is frozen precipitation. More specifically, hail is rain that freezes and falls in showers from cumulonimbus clouds It is different from the precipitation in the ice storms we regularly see in the DFW and north Texas area. When it reaches the ground in significant quantities, it is called a “hailstorm”.
Here is a really detailed technical article on hail if you are a weather junkie. From a practical stance as a homeowner, all you really need to know is that it causes a lot of destruction and roof hail damage. In Texas, it is a major problem, and our state actually has more hail roof damage insurance claims than any other state. All of the states central portion of the United States receive much more hail in general than other states, and Texas leads the pack. In fact, did you know that Texans replace an average of 300,000 roofs each year due to these storms.
What type of damage can a hailstorm do to my roof?
The short answer is that hail can do a significant amount of damage depending on how large the hailstones are. Very small hailstones will likely do little damage to your roof, window screens, vehicles or other vulnerable surfaces. The National Weather Service designates hail larger than one inch in diameter as “severe”. However, hail as small as a quarter inch in diameter can cause serious damage to your roof depending on wind speeds, direction of the impact and other factors.
From the perspective of hail roof damage in Dallas, it can severely shorten the life of your shingles and lead to major roof leaks. When it hits the shingle, the impact causes the embedded protective granules of the shingle to loosen and disperse. The exposure of the shingle substrate material below is what eventually causes the roof to leak from the hail storm and roof damage.
Roof Hail Damage - What To Look For
- Here are the tell-tale hail roof damage signs that you have taken a hit:
- Indents with no discernible pattern
- The dents are typically black in hue
- Granules are missing around the indention
- Asphalt underlay of the shingle may be shiny
- The indention around the hail impact may be soft of bruised feeling
Below is a closeup photo that will guide you insights on what hail damage to an asphalt composition looks like. Irregularity and a random pattern of indention are hallmarks for which to look.
If you see any of the signs above, there's a pretty fair chance that you have a case to file a hail roof damage insurance claim.
How to navigate the hail claims process and what do I do next?
So, you've got hail damage to your roof. What's next, and how should you proceed? This section will cover the ins and outs of the claims process for hail damage to your north Texas home. Here's what you will learn:
Overview of the roof hail damage claim process
Filing your claim
What are the roof hail damage costs
What to do if your hail damage roof claim is denied
Choosing the right Dallas roofing contractor to help you get fair representation on your homeowners insurance policy.
Preventing another storm from ravaging you in the future
How to file your claim when you have hail damage to your roof
The first thing to understand about dealing with your insurance and hail damage claim is:
Home owners insurance is a good thing, and both you (and the bank holding the mortgage) are very glad that it is in place to protect you with roof hail damage insurance coverage. But, of course, you already knew this.
The second thing you need to know is this:
Insurance companies are publicly traded companies with the primary objective of earning money for their shareholders. They seek to maximize profits in all cases, and so their primary goals are not always in line with yours. But you already knew this as well.
The key idea is to go into the hail damage insurance claims process with your eyes wide open.
How You Should File Your Claim on Your Homeowners Policy
Here are the steps you will need to follow:
Find your homeowner's insurance policy
Identify the policy number associated with your account and double check on the amount of the deductible stated in documents
Get all the facts together to document the hail damage to your roof. This will include all policy-related information, photos you have taken, date and time of the storm, the size of the hailstones you may have observed, etc.
Make contact with the insurance company through their special claim number.
Make note of the claim number you are given and that they must provide you under law.
Next Steps – Call A Certified Roof Contractor Who Specializes in Roof Hail Damage Repair
At Chandler Roofing, we talk with hundreds of homeowners each year in the Dallas and north Texas area who have been hit with roof damage from storms. We replace a great percentage of those roofs, and as a highly qualified hail roof contractor, we can tell you as a homeowner a few things with certainty.
You need to have a champion on your side to negotiate every angle of your claim to ensure that you are fully and fairly represented. This is our specialty, and it has taken us years to put together all of the skills and knowledge to deal with multi million-dollar insurance behemoths. As a homeowner, you can certainly take the task on yourself, as the policy and the roof wholly belong to you. But know this: your insurance company goes through this process thousands of times a year in Texas alone each year. They know how to throw up the right roadblocks in the claims process to maximize there profits. To make it short, you really need a skilled advocate on your side.
Once you have located a reputable roof contractor that specializes in Texas hail damage representation with your insurance company, be sure their representative is there to meet with the claims adjuster. He will not only present the information both of you have collected to document the claim, but he will build a critical relationship with the adjuster right there on the roof.
Once the adjuster has made the inspection (ideally with roof contractor close at hand and with all of the photos and other information you have collected), he will file a report. This report for damage to your roof shingles via hail will either recommend spot or complete re-roofing of your house.
Someone from the home office claims department will then make a determination on the claim. Don't be surprised if your claim:
- Is denied out right, or
- Doesn't cover full replacement by a certified Dallas roofing company
Hopefully, it will be covered and repaired, but this is not always the case. Even when your neighbors who endured the same hail storm are getting full replacements. Remember the astounding figure – 300,000 roof replacements in the state each year? Many, many roofs, and the insurance company will always look for any opportunities to either deny a claim for lack of “proof” or mitigate losses through minimal repair.
A Certified Roof Hail Contracting Expert is Key
When you've been denied on your homeowner's claim, this is when a well-qualified roofing contractor can be indispensable, especially if they have been involved in your case for roof damage caused by hail from the very beginning.
A good Dallas roofing company knows how to take it to the next step to challenge the initial judgement on the claim from the insurance company. And that company knows how to follow the best channels to get your desired outcome, which is nothing less than a full roof.
If you have just been hit by a Texas hail storm, now is the best time to contact us to get us working on your case right away. If your your roof has suffered from hail damage in the past, we can help as well. Simply pull together all of the information you can and we'll take it from there.
Upgrading to Class 4 Shingles to prevent roof damage from future hail storms
Assuming that your roof contractor is able to help you get the results you need from your homeowner's policy, you might want to consider installing high-quality hail impact resistant shingles. Class 4 is the term given as an industry standard to the highest rated shingles you can put on your home. Shingles in general are rated Class 1 through 4, with Class 4 being the most resistant to impact testing typically performed with steel balls. This type of shingle also performs the best in wind rating tests, another solid benefit for the Lone Start state homeowner.
Keep in mind that Class 4 is a rating and not one specific shingle type. The actual shingle material could be:
Stone coated steel shingles
Virtually any metal roof
They all offer performance within the Class 4 rating guidelines, and some even offer a major opportunity to recapture energy savings through inherent thermal advantages.
At Chandler Roofing, we are DFW-area experts at installing hail resistant shingle systems. And we have proven time and time again to homeowers that a hail storm creates the perfect opportunity to make the switch to a more intelligent roof solution.
A North Texas Hail Storm Is The Perfect Time To Upgrade
Why? When you think about it, the math becomes simple. Your existing roof hail damage insurance and deductible will most likely pay for a new roof. Your homeowner's policy will pay for the replacement value of the system that was in place. It becomes more complicated for hail damage created under old roof insurance. But we can help you navigate that issue as well.
The insurance company will pay to tear off and replace your old roof system. So, the only thing left to pay for us the upgrade to the hail resistant Class 4 shingle of your choice. As a company, we help homeowners make the switch easily through simple finance options on the material upgrades. And in most cases, the upgrades quickly pay you back in many ways. Class 4 Dallas shingles are:
More energy efficient, saving you on your utility bill every month
Add value to your home
Infinitely more visually appealing than lower grade fiberglass shingles
Long lasting with roof warranties up to 50 years
Wrapping up the Dallas Roof Hail Guide for Homeowners
To summarize this guide, here are some key things to take away for you as a home owner in one of the most hail-prone locations in the country:
Be prepared before storm season by reviewing your homeowner's insurance policy
Do your research on the best roof hail storm contractors in the area
After a hail event, be sure and gather all the information you can about damage to your property and roof, including timelines, photos and written reports
Contact a certified Metroplex hail restoration roofing company right after you call your insurance company
Choose your next roof system carefully, taking into full consideration hail and wind-resistant Class 4 shingles. They not only beautify your roof but add value and energy savings to your home in every way.
If you have any questions about what you should do to prepare before the next storm, please give us a call or contact us via our form. And if you have already sustained damage, even if it was several years in the past, call us as well. We'll give you the best insights and advice on your options. And we can help you turn a roofing hail nightmare into a great opportunity.