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MOST HAIL DAMAGE IS VERY HARD TO SEE
YOUR INSURANCE ADJUSTER WILL INSPECT AND IDENTIFY
SOMETIMES HAIL DAMAGE IS IMMEDIATELY VISIBLE
SOMETIMES HAIL DAMAGE IS IMMEDIATELY VISIBLE
YOUR INSURANCE ADJUSTER WILL INSPECT AND IDENTIFY
SOMETIMES HAIL DAMAGE IS IMMEDIATELY VISIBLE
YOUR INSURANCE ADJUSTER WILL INSPECT AND IDENTIFY
YOUR INSURANCE ADJUSTER WILL INSPECT AND IDENTIFY
YOUR INSURANCE ADJUSTER WILL INSPECT AND IDENTIFY
YOUR INSURANCE ADJUSTER WILL INSPECT AND IDENTIFY
WE TAKE CARE OF ALL THE PAPERWORK FOR YOU
WE WILL REMOVE THE DAMAGED ROOF AND REPLACE WITH NEW
YOU SIT BACK AND RELAX. NOW YOUR HOME IS LIKE NEW AGAIN
ROOF AND HAIL DAMAGE
So how can there be Hail Damage to a Roof when it's not really visible?
Here is a timeline of how hail damage can progress if it is not corrected quickly:
- After the storm. The shingles that have been struck by hail may have noticeable dents, or they may not be as noticeable at first. THIS EXPOSES THE ASPHALT LAYER WHICH THEN LOOSENS THE BOND BETWEEN THE ASPHALT LAYER AND REMAINING GRANULES.
- A few weeks later. Each day, ultraviolet light from the sun shines down on exposed portions of the shingles, weakening the asphalt layer and making the shingles brittle. Temperature changes cause the shingle to expand and contract, further compromising damaged areas.
- Months later. Winter approaches. The damaged shingles may crack in colder weather, causing tiny holes where water can leak down into the roof. Shingles that have lost many granules may curl at the edges, making them more susceptible to being torn off in high winds.
- Years later. As granules continue to flake off, shingles become less and less effective at preventing leaks. Water may seep into attics, storage areas, or into utility closets, causing electrical problems and inventory losses. If leaks are not immediately corrected, the surrounding wood may rot or succumb to mold, forcing closures while the damaged areas are torn out and rebuilt.
POLICYHOLDERS HAVE A SMALL WINDOW OF TIME TO COLLECT FAIR PAYMENT FOR WEATHER-RELATED CLAIMS!
If you wait until later, INSURERS WILL OFTEN DENY CLAIMS FOR HAIL DAMAGE THAT COULD HAVE BEEN AVOIDED IF THE HOMEOWNER HAD CORRECTED THE PROBLEM IMMEDIATELY AFTER THE STORM . This makes sense from the insurer’s perspective, as the provider would rather pay for a small amount of damage immediately rather than rebuild the entire structure later. Policyholders have a small window of time to collect fair payment for weather-related claims, and if claims are not filed quickly, a homeowner can lose the right to compensation.
CALL YOUR INSURANCE PROVIDER IMMEDIATELY
Your Insurer will File a new Claim. This is standard and does not go against you in any way but they have to set it up before they will send an Insurance Adjuster or Inspector out to inspect your property. If they find no damage then you are all set. If they find damage, they will issue you payment to repair the damage which you will then hire a professional (Like Us) to help you through the process.
CAN A ROOFER WAIVE OR PAY A DEDUCTIBLE
HB 2102 PASSED MAY 22, 2019.
IT IS A CLASS B MISDEMEANOR FOR A ROOFER TO PAY A DEDUCTIBLE
BELOW ARE SOME HIGHLIGHTS.....
Sec. 707.002. PAYMENT OF DEDUCTIBLE REQUIRED. A person insured under a property insurance policy shall pay any deductible applicable to a first-party claim made under the policy.
Sec. 707.004. REASONABLE PROOF OF PAYMENT. An insurer that issues a property insurance policy with replacement cost coverage may refuse to pay a claim for withheld recoverable depreciation or a replacement cost holdback under the policy until the insurer receives reasonable proof of payment by the policyholder of any deductible applicable to the claim.
Reasonable proof of payment includes a canceled check, money order receipt, credit card statement, or copy of an executed installment plan contract or other financing arrangement that requires full payment of the deductible over time.
(c) A person who sells goods or services commits an offense if the person: (1) advertises or promises to provide a good or service to an insured under a property insurance policy in a transaction in which: (A) the good or service will be paid for by the insured from the proceeds of a property insurance claim; and (B) the person selling the good or service will, without the insurer's consent: (i) pay, waive, absorb, or otherwise decline to charge or collect the amount of the insured's deductible; (ii) provide a rebate or credit in connection with the sale of the good or service that will offset all or part of the amount paid by the insured as a deductible; or (iii) in any other manner assist the insured in avoiding monetary payment of the required insurance deductible; or
An offense under this section is a Class B misdemeanor.
Class B Misdemeanor: Penalties include a fine of no more than $2,000 and/or up to 180 days in a county jail.
CLICK HERE TO SEE THE ENTIRE BILL
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SUN SAFE HOMES (V.A. Builder ID 07374)
Serving Fort Worth, Granbury, Glen Rose, Weatherford, Cresson, Godley, Cleburne & Surrounding areas
CALL OR TEXT (817) 980-9665
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