hail storm

21
Nov

5 Reasons You MUST Notify Your Insurance Company After A Recent Storm

recent hail storm map texas

Why You Must Notify The Insurance Company After A Recent Wind or Hail Storm?

One of the most frequent questions asked is “Do I need to notify my insurance company?” or similarly, “Do I have to call my insurance company?”

The simple answer is YES.  Call and make an insurance claim.  Not only does it makes sense but you most likely must do it or you breach your insurance contract.

Homeowners often are nervous about making an insurance claim, even after storm damage.  Usually this fear stems from past experiences related to auto insurance.  That being, that rates will increase after a claim.  But property insurance contracts and State insurance laws are different.

Top 5 Reasons To Notify The Insurance Company After A Recent Hail Storm

1. If you have recently received damage you are more than likely REQUIRED to notify the insurance company under your policy.

2. In the future, they can deny a roof replacement claim due to undisclosed and previous damage.

3. There exists a statute of limitations on insurance claims.  Once this run out, the insurance company can deny your request to replace the roof.

4. You are paying for insurance in case of storm damage or similar reasons.  Why would you not use it?

5. Your rates CANNOT be raised for making a claim, whether approved or denied.  Repeat the words: CANNOT be raised.

So in the immortal words of Nike, Just Do It!

Notify the Insurance Company after a recent hail storm by making an insurance claim.  Get the estimated damage and monies available to replace your roof from the insurance company.

Bid out the job to at least seven different companies to find the best contractors at the best price.  Save tons of money. Enjoy your new roof.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

23
Jun

Hail Damage in Sienna Plantation and Fresno, Texas

May 25-26th Hail Storm Swath near Sienna Plantation and Houston

May 25-26th Hail Storm Swath near Sienna Plantation 2-3″ Hail

Did your roof sustain hail damage in Sienna Plantation or the Fresno/Arcola area this past April or May 2015?

Not only hail damages roofs.  Strong winds also cause damage to your roof, fences, and trees.

It has been roughly two years since Missouri City (77459, 77489) or Fresno / Arcola (77545) areas saw hail of this size.  The last hail storm of any significance was April 2013.

Hail paths show the center of the hail storm and its concentration point.

Note that the hail path shows just the center of the storm; the actual swath of the storm is much, much larger.   What does this mean?  If a property was anywhere near this path it got hit.  The question of course is how much damage did the hail or wind cause.  This image was taken by the NOAA and the HailStrike weather service at 2:29 AM, May 26th.  Their radar shows 3 inch hail.

The first image shows the path ONLY.   The second image below shows the swath of the storm and areas affected along the path.

May 26th @ 2:29 AM Hail Path without Swath

Hail 3 inch @ May 26th 2:29 AM

Did you get large or small hail?

Even small hail can cause significant damage in large volumes or high winds.  Ever seen a picture of hay needles or branches stuck into the side of a barn from tornado winds?  Even small hail such as pea or marble-sized can do significant damage when thrown at 60-70 mph.  The latest Sienna Plantation and Fresno/Arcola hail storms had very high winds.

Extremely strong wind and hail damage in Sienna Plantation on May 26 @ 2:34 AM

As you can see in this snapshot the radar is showing hail size of 2.5 inches.  But the entire storm lasted from May 25th @ 3:29 PM to May 26th @ 7:29 AM.

The tricky part is that small hail “pock marks” cannot easily be seen from the ground.  Also, much of the damage is likely from the wind.  Wind can lift up the shingles essentially tearing your roof apart; BUT at the same time if the damaged sections do not literally detach from the roof they will settle back down and the damage cannot easily be seen from the ground.

Do not let this opportunity pass by!  Have your roof examined by your insurance company free of charge and without risk of a rate hikes.  Then get a new roof!

Sienna Plantation Hail 2.5 inches May 26th 2:34 AM

Hail 2.5 inches May 26th 2:34 AM

What to do if you suspect you have hail damage in Sienna Plantation or Fresno/Arcola areas?

Call, Examine, Act

  • Call your insurance company, open a claim, and have your roof examined. REMEMBER: Your rates cannot be increased for making a storm related claim.
  • Examine the results of the insurance company’s estimate of damage before doing anything else.
  • Act by taking advantage of the insurance company’s estimate and their money:
    • If they agree to replace your roof in full then start by:
    • If they DO NOT agree to replace in full, but only part of your roof then:
      • Get 3 roofers to look at your roof to get their opinion OR
      • Hire a licensed insurance adjuster (not a Public Adjuster) to verify the actual damage OR
      • Contact RoofBidders and we will advise you AT NO CHARGE based on satellite imagery and ground spotters.
    • After getting multiple bids by high quality roofers, put a new roof on your home, and save tons of money.

NOTE: If the insurance company denies your claim and you know you have damage from the latest Sienna Plantation or Fresno/Arcola hail storms (or any other storm) then contact an attorney.

REMEMBER:  Take advantage of infrequent but powerful storms to upgrade your home by having the insurance company buy you a new roof whenever possible.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

28
May

5 Reasons To Notify The Insurance Company After A Recent Hail Storm

recent hail storm map texas

Thunderstorms Bring Hail to Texas

Why Notify The Insurance Company After A Recent Hail Storm?

One of the most frequent questions asked is “Do I need to call my insurance company?” or similarly, “Do I have to call my insurance company?”

The simple answer is YES.  Call and make an insurance claim.  Not only does it makes sense but you most likely must do it or you breach your insurance contract.

Homeowners often are nervous about making an insurance claim, even after storm damage.  Usually this fear stems from past experiences related to auto insurance.  That being, that rates will increase after a claim.  But property insurance contracts and State insurance laws are different.

Top 5 Reasons To Notify The Insurance Company After A Recent Hail Storm

1. If you have recently received damage you are more than likely REQUIRED to notify the insurance company under your policy.

2. In the future, they can deny a roof replacement claim due to undisclosed and previous damage.

3. There exists a statute of limitations on insurance claims.  Once this run out, the insurance company can deny your request to replace the roof.

4. You are paying for insurance in case of storm damage or similar reasons.  Why would you not use it?

5. Your rates CANNOT be raised for making a claim, whether approved or denied.  Repeat the words: CANNOT be raised.

So in the immortal words of Nike, Just Do It!

Notify the Insurance Company after a recent hail storm by making an insurance claim.  Get the estimated damage and monies available to replace your roof from the insurance company.

Bid out the job to at least seven different companies to find the best contractors at the best price.  Save tons of money. Enjoy your new roof.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

 

15
May

Brazoria County Hail Storm? What to do next.

Brazoria County Hail Storm Hail Paths

“Hail and wind like I haven’t seen in all the years I’ve lived here,”

said James S., a Lake Jackson resident who also works in Brazoria County.  Later he remarked “Northwood and West Columbia got hit pretty good and the weather service said Angleton got some 4 inch hail”.

This is no surprise if your reside almost anywhere in Brazoria County, Texas.  Last month’s April showers brought high wind, hail, and what some were calling a 500-year rain.

While a Brazoria County hail storm is not unheard of, it has been several years since Brazoria has seen hail larger than a marble.

The picture above shows a hail path we mapped around Angleton and Lake Jackson from just a single day.  The hail path shows just the center of the storm; the actual swath of the storm was much, much larger.   What does this mean?  If a property was anywhere near this path it got hit.

Did you get large or small hail?

Even small hail can cause significant damage in large volumes or high winds.  Ever seen a picture of hay needles or branches stuck into the side of a barn from tornado winds?  Even small hail such as pea or marble- sized can do significant damage when thrown at 60-70 mph.  The latest Brazoria County hail storms had very high winds.

Brazoria County Hail Storm pea sized hail

Small hail which caused damage in Brazoria
County

What to do if you suspect you have roof damage from the Brazoria County hail storms?

Call, Examine, Act

  • Call your insurance company, open a claim, and have your roof examined. REMEMBER: Your rates cannot be increased for making a storm related claim.
  • Examine the results of the insurance company’s estimate of damage before doing anything else.
  • Act by taking advantage of the insurance company’s estimate and their money:
    • If they agree to replace your roof in full then start by getting at least 7 bids from qualified roofers (Better Business Bureau, etc.).
    • If they DO NOT agree to replace in full, but only part of your roof then:
      • Get 3 roofers to examine your roof to get their opinion OR
      • Hire a licensed insurance adjuster (not a Public Adjuster) to verify the actual damage OR
      • Contact RoofBidders and we will advise you AT NO CHARGE based on satellite imagery and on the ground spotters.
    • After getting multiple bids by high quality roofers, put a new roof on your home, and save tons of money.

NOTE: If the insurance company denies your claim and you know you have damage from the latest Brazoria County hail storm (or any other storm) then contact an attorney.

REMEMBER:  Take advantage of infrequent but powerful storms to upgrade your home by having the insurance company buy you a new roof whenever possible.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

 

 

30
Apr

5 Myths About Insurance Claim Disputes

Insurance Claim Dispute Denied

Insurance Claim Denial

There are a lot misconceptions regarding insurance claim disputes.

Most roof replacements leverage insurance.  If you have storm damage, use your insurance!  You have paid premiums all these years, now reap your reward.

Remember an insurance company CANNOT raise rates for making a claim related to an Act of God (weather).

But what happens if your claim is denied?

Should you fight it?  Do you need an attorney?  

We get this question a lot!  But interpreting the state insurance code or your insurance contract is a legal area we do not handle. So, we asked Chip Lane from The Lane Law Firm to pen an article about denied insurance claims.  This article was also posted on The Lane Law Firm Blog.


Have a denied insurance claim but don’t know whether or not to hire an attorney?

Chip Lane, Esq – April 2015

Homeowners and roofing contractors often go it alone or hire a Public Adjuster because they believe one or more myths about how attorneys work and get paid. Unfortunately, these myths cost both homeowners and roofers lots of money.

Don’t fall prey to these 5 Myths About Insurance Claim Disputes and Attorneys:


MYTH #1: There will not be enough money to replace the roof after the attorney is paid.

TRUTH #1: There should be more than enough money to replace the roof.  Property owners, contractors, and public adjusters can only recover the amount of the property damages. By law, attorneys are entitled to their fees and costs, 18% interest, plus other penalties; all of which is paid by the insurance company, in addition to the amount of the property damages, when a denial or partial claim is improper.

MYTH #2: Attorneys demand money upfront.

TRUTH #2: A reputable insurance claim dispute attorney will not ask for money upfront; because they work on contingency and get paid only if they win.

MYTH #3: The insurance policy will be cancelled or the property owner’s rates will be raised if an attorney is hired or files suit.

TRUTH #3: State law forbids insurance companies from raising rates or terminating coverage because of a weather-related claim or if a property owner hires an attorney who sues the insurance company.

MYTH #4: Public adjusters (PA) are better suited to handle insurance disputes than attorneys.

TRUTH #4: Only an attorney can dispute denied claims or handle legal issues such as bad faith, slow payment, mental anguish, loss of income due to time off, or reimbursements. 

MYTH #5: Attorneys get paid on money they did not earn or the homeowner got on their own.

TRUTH #5: Attorneys only gets paid on the “net new” money; in other words only the additional money over and above what the homeowner already has. 


Remember, insurance policies and Texas insurance law provides that the insurance company should pay for the homeowner’s attorney’s fees and costs for a wrongful denial of a claim.

The bottom line is that an experienced insurance claim dispute attorney should get money over and above what the homeowner, roofer, or public adjuster is able to get and better yet, is only paid on net new money.  It is a no lose scenario for property owners and roofing contractors.


Thanks again to Chip Lane.  We hope you never have to deal with an insurance claim dispute but if you do and especially if it denial then take action.

Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

14
Jan

Common Roof Problems in the Winter – part 1

Common Roof Problems with snow and man

Man on roof with snow shovel

What are some of the most common roof problems in the winter? – Part 1

Most people immediately think about ice dams.  But there are other issues which can be quite common.

Falling.  Serious fall injuries and even death occurs as people climb on their roof and attempt to clear the snow off.   Secondary damage can be caused by people chopping or hitting their roof to try to get rid of ice.  While the ice might break free, there is a real chance that the shingles or gutters will take damage.  Frequent hacking at the roof or yanking ice off the gutters can lead to water penetration into the roof where the gutters pull away.

Blocked Vents.  Snow-blocked plumbing vents will create drainage problems and even sewer gas backups into the home.  Sewer gas is not only smelly and unsanitary but an explosion risk.  Make sure all vents are tall enough to stay out of the snow.

Cracked or Broken Shingles.  Even when someone does not fall off the roof, when they climb around on frozen shingles they can snap “like a pine needle in the wintertime”.  Walking on older roofs when it is cold or they are frozen almost assures damage.

Snow. Plain and simple, it gets heavy and gets heavy fast!   Accumulated snow, particularly in the early spring when heavy snow coverings absorb rain can quickly become very heavy and cause major damage.  A roof’s core components such as rafters or trusses can break under the strain.  Newer homes with “up to date” or code conforming structures are less likely to break under the weight of snow; but older homes or those where the builder or roofer took shortcuts can easily crack under the strain.

Next up part 2 of Common Roof Problems in the the Winter….


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

 

2
Sep

Hail Damage – What to Look For!

Hail Storm

After any hail producing storm, it is very important to check your roof to determine whether or not any damage has occurred. Here are a few things to look for:

•    If safe and easy roof access is possible, check the vents as well as shingles for any damage.

•    Inspect all your gutters and rain spouts for damage or any roof debris. If you do find damage to your gutters, usually there is also damage to the roof.

•    Check inside for any damage to your ceilings and attic. Look for any leaks that could be caused by hail damage.

Still confused or want more information?   Call or email us at RoofBidders.com    We love to provide FREE education to property owners. We will talk with you at no cost.  If you have a specific roof issue and can send us a photo via email, we will do our best to advise you on the specific issue.