heritage residential roofing

5 Truths About Storm Related Roof Insurance Claims

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Yes, it’s true. Storm-related damages (although you may not see them) worsen over time and will probably cause a roof leak later. This is what you need to know before filing an insurance claim for damages due to a storm. After all, that’s what roof insurance is for.

5 Things You Need to Know Before Filing a Claim

Filing a roof insurance claim is a complex process

Just like filing any type of insurance claim, there are complexities involved. Homeowner’s storm damage claims are filled with all the necessary steps to confirm reported damages caused by hail, wind, etc. This means an assessor adjuster (in-house or 3rd party) will be involved in the claim process to determine the cause and valuation of the loss, which in many cases can be due to poor roof maintenance. Heritage professionals are well-versed in the claims process and are able to assist from filing to completion of repairs.

Hail damage is not covered by your roof warranty

Although your new roof might carry a lifetime workmanship warranty, these warranties exclude hail and wind damage. If you contact your roofing company for damage resolution, you’ll more than likely be told to contact your insurance company.

Insurance companies can’t cancel your policy after filing a claim (UNLESS…)

Many people worry about filing a claim because they fear their policy will be canceled once the damage has been reported. Rest assured the State of Texas does have stipulations regarding policy cancellation. Here’s the fine black print:

Under the Consumer Bill of Rights adopted by the Texas Department of Insurance, homeowner’s insurance companies can’t cancel a policy that has been in effect for 60 days or more unless:

  • You fail to pay your premium on time
  • You filed a fraudulent claim
  • There is a determination by TDI that continuing the policy would violate insurance laws
  • There was an increase in the hazard your policy covers, provided the hazard was within your control and caused the policy premium to increase.

Full roof replacement isn’t guaranteed

Depending on your insurance company and policy, a full roof replacement may not be covered. Some companies will only repair the specific areas where damage has been detected. This is why it’s important to understand your policy and what it covers.

This can wait (But it can’t)

Sure, the process of filing a claim for roof damage isn’t exciting. It can be lengthy and detailed and it’s understandable if you’d rather shrug it all off till later. With most insurance companies you can only report damages up to one year after they’ve occurred if you’re seeking compensation. Spring and autumn are the ideal seasons to give your roof a well-check so you can discover damage before it’s too late.

Heritage Construction takes pride in being experienced insurance specialists. Book your free inspection today and rest assured we’re here after the storm. We’ll walk you through the claim process, and you’ll get everything you deserve from your insurance company. That’s the Heritage way.  Contact the pros today!

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Heritage Construction Company Roofing and Restoration Specialists

Understanding the Bermuda High’s Effects On a Hurricane

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Are you ready for the storm of a lifetime? With Hurricane Florence officially making landfall you might be wondering how a hurricane takes its direction. (And why it might be coming yours.)The passing of a hurricane from one area to another is called hurricane propagation. The speed and path of the storm are guided by strong global winds that can change the game at any given time.

Mother Nature Takes Control

Trade winds and several other factors determine where a hurricane goes after forming in the tropics.

85% of severe Atlantic storms are carried from the shoreline of Africa and travel west towards the Northern American coasts and the Caribbean Sea. Trade winds are embedded with high and low-pressure systems that can cause hurricanes to venture off from their original east to west travels, steering them north instead.

The Bermuda High (also known as Azores High) is a high-pressure system that often dominates the North American coast. Atlantic hurricanes ride alongside the strongest of winds in the Bermuda High. If high-pressures are based in the east, hurricanes will generally move northeast into the Atlantic Ocean without causing landfall.

Storms are blocked from traveling north when high-pressure winds are positioned west and travel south. Hurricanes will thrust westward with a vengeance. Florida, Cuba and the Gulf of Mexico become the new targets.

Beta drifts affect a hurricane’s ability to change its wind field. If the wind field travels out of the tropics and heads north, it often weakens and slows the storm down. Once it enters mid-latitudes and travels north it will likely encounter a jet stream that causes it to forcefully accelerate. This is especially true if it travels alongside warm ocean currents such as the Gulf Stream. Barring that, wind shear and cold ocean water usually prevent a hurricane from surviving north of the tropics.

Keep Your Eye On the Storm

Hurricanes are unpredictable forces of nature with sharp curves and hairpin turns. The best thing you can do if a storm is headed in your direction is to evacuate as quickly as possible, taking whatever prized possessions you can. Be prepared to discover devastating aftermath after the storm passes. Roof damage and roof leakage are pretty much a given.

Heritage Construction Stands Strong

Heritage Construction specializes in storm damage restoration. We understand the wrath of mother nature and we’ll take you under our wing and work directly with your insurance company for repairs. If you’ve experienced roof or structural damage after a storm, contact us for a free roof inspection.

Our thoughts and prayers are with those on the East Coast as they brace for Hurricane Florence.

 

 

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heritage residential roofing

6 Obvious Signs of Roof Leakage

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Drip, drip, drip. Grab a bucket. These 6 obvious signs of roof leakage are telltale reasons to call Heritage Construction for a free roof inspection.

Water Stains on the Ceiling

One of the most obvious signs that you have roof leakage is discovering water stains on the ceiling. These stains can vary in size but generally have a brown ring around them.

Where the stain is located could be completely unrelated to where the leak came from. The mere presence of a water stain is confirmation that something about your roofing system is amiss.

Algae, Moss and Mold Are Present

While moss in itself may not cause any long-term damage to shingles, it’s presence indicates that there’s likely roof leakage somewhere. Most common in humid areas, mossy and moldy roofs should be inspected by a professional to determine the root of the problem. Once the source of moisture has been determined the shingles can be reinstalled or the algae simply brushed off. Keep in mind that moss and may continue to grow, so schedule a “well check” for your roof annually.

Roof Rot

Roof rot is most common wherever organic shingles have been installed. Once shingles get wet from roof leakage they will continue to break down and rot, often causing the need for an entire replacement of your roofing system. Don’t wait for the rot to go away on its own. (It won’t.)

Dripping

That annoying little drip that keeps you awake at night is an obvious sign that your roof needs some love and attention.

Significant damage can happen to your home and belongings if you don’t fix roof leakage quickly. It’s never as simple as putting a bandage on it and hoping for the best. Roof leaks can be exceptionally dangerous and put you at risk of severe electric shock. NEVER attempt to turn off appliances or fixtures yourself. Instead, shut down the electrical at your main panel and then call the pros.

Exterior Walls Have Water Spots

Still not sure if you have a roof leakage? Go outside and inspect the exterior walls of the structure. Water spots indicate there may be a roof leak related to the flashing. Look under your gutters where the walls meet the roof line and inspect for discoloration and stains.

Missing Shingles on the Rooftop

Have some of your shingles gone astray? Severe storms can attribute to roof leaks that affect the adherence of the shingle to the roof. Anytime you have missing shingles you’re exposing your underlayment to water damage and rot. This is when things can get quite costly if they aren’t caught in time.

When to Call a Roofing Specialist

Keep in mind that roof leak signs are not always indicative of where the leak originates. Many leaks can spread from the rafters and present themselves in other areas of the structure.

A roof leak should never be put on hold as it will cause further damage to your home and your valuables over time. If you notice any of the above roof leak signs, don’t delay. Heritage will come out and do a free roof inspection and assist you in making an informed decision.

Nobody does roofs better than we do. We’re fast, dependable, and always here to serve you. Contact us today.


 

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