EXAMPLES OF HIDDEN DAMAGE

Moving Shingles Can Stretch Nail Holes and Cause Shingles to Lift

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Shingles are a sturdy roofing material. However, in extremely strong winds, even the sturdiest shingle can flip up or shift position. This can cause cracking, tears or rips in the shingle surface, lowering its ability to protect your roof from the elements. 

Single Granules Get Loose and Break Apart

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Granule loss at points of impact, which may be accompanied by surface depression. Loss of mineral granules as an immediate or gradual consequence of storm damage can lead to the asphalt coating being directly exposed to the elements. This may lead to accelerated aging of the shingle. Therefore, granule loss is NOT just cosmetic damage, and “sugaring” — the process of adding loose granules to damaged shingles with asphalt cement — is not a permanent solution.

Flashing and Valleys Can Be Shift and Cause Future Leaks

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The edges of the roof are most vulnerable to storm damage.  High winds and pressure can cause shifting that leads to leaks troublesome leaks down the line. 

Hail Damage

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Hail impact may cause latent damage that can, over time, result in premature aging of the shingles. Without obvious visual damage, there is no real way to be sure how much, if any, damage shingles have encountered. Latent damage caused by hail or severe weather may not be apparent until months or years later and may cause the shingles to age prematurely. 

Cracked & Broken Tiles

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Did you know that tiles can shift and move when a hurricane hits even if you do not currently have any leaks?  

It may take 2-3 years to develop a leak and you may be out of time to file a proper claim to your insurance company. 

Strong Winds & Shingles Shifting

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Every shingle on your roof is held in place by nails. When the shingles start moving around in the high winds, the nail hole can start to stretch. In some cases, the hole will rip through the face of the shingle completely. A loose shingle is a vulnerable spot for additional storm damage to the roof deck and the attic space below. A stretched nail hole creates enough space for water to infiltrate below your shingles.

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CONFUSED ABOUT THE CLAIMS PROCESS?

What does the claims process entail?

 

Deductibles. Depreciation. Hold-back payments. Supplements. The insurance claim process can be a confusing one – especially if you’ve never filed a claim before.  Our trained professionals from our Insurance Division are here to help you through the roofing claim process by providing you the documentation, photos, and feedback that your insurance company needs in order to process your claim as quickly and smoothly as possible. What are some of the things that we’ll provide that will help your adjuster quickly process your roofing claim?  


  1. A solid understanding of the insurance claim process.
  2. A thorough, well-documented estimate of needed roof repairs or replacement.
  3. Photos that show the storm damage found on your roof.
  4. Required Building Code documentation.
  5. Excellent communication throughout your experience with our company.

Our goal is to provide you an exceptional experience while working with our company to repair or replace your roof system.  If you reach out to us on a normal business day, we guarantee that you’ll receive a call back that same day! 


Common Insurance Claim Terms

Are you confused by some of the insurance claim terminologies you’ve heard from your adjuster or read in your policy?   Here are some of the common terms used when discussing an insurance claim or policy.  These definitions are our basic interpretations.  For further information or to confirm any questions you may have, please contact your insurance agent or adjuster. 


Insured:  The insured is the individual who has the insurance policy on the property.  If you are the one who is named on your home’s insurance policy, you are considered the insured.


Deductible:  Basically, your deductible is the amount of money that you are responsible for when an insurance claim is filed.


Depreciation:  This is the amount that your insurance claim payment may be reduced by due to age or wear and tear.  For example, a roof claim may total $6,000.00 but may be reduced to $3,500.00 because of the roof’s age.


Hold-back payments:  In some cases, a portion of the claim – possibly the depreciation – may be held back by the insurance company until it is confirmed that the repairs have been made.  After repairs are complete, the amount held back is released to the insured.


Supplement / Supplemental Estimate:  In many cases, the initial estimate written by the adjuster will be missing some important things such as code related items or damage that was not evident during their initial inspection.  When this happens, a supplemental estimate is prepared by our estimator and sent to the adjuster for review.  After approval, the insurance adjuster will typically issue the additional funds to you.


Mortgage Company:  If you have a mortgage on your home, there is a chance that the mortgage company’s name will be on the check issued by your insurance company.  This is not abnormal.  Your mortgage company has an interest in your home and wants to be sure that repairs are made when storm damage or other events occur.  If the mortgage company is listed on the check, it will be important to get them involved right away to find out what documentation they may need in order to process the payment.

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