Servicing all of the DFW Metroplex
1. Does My Roof Have Storm Damage, I don't See Any Damage From The Ground?
Unfortunately in many cases you won't see hail impact marks on a roof or gutters from the ground, you must be on the roof to see the hail marks on the shingles and in the bottom of the gutters. Even if you don't see the damage-doesn't mean it's not there, It might take a couple of months and a few of hard driving rains for the damage to manifest itself. It is best if you can catch the damage in the early stages before the problem gets out of control
2. My Roof Isn't leaking - I'm Ok Right?
As mentioned above, the damage from a hail storm might not be apparent right after the storm. it might take a couple of heavy rains for the roof to start leaking or it may take up to a few years for the damage to manifest itself. The reason for this is when large hail hits the roof it loosens the granules in a nickel to quarter-size area. How quickly that damage appears and potential leaks occur, really depends on how long it takes for those loosened granules to wash off during heavy rains and expose the asphalt underneath the granules. When asphalt is exposed to the sun it cracks and lets water in thus causing leaks. -If the damage is not addressed in the timely manner, 3 things could happen:
1) The lifespan of your roof is dramatically reduced thus making you prematicaly replace the roof.
2) Potential leaks in your roof not only cause headaches but also cause wood damage and other costly repairs.
3) If you are going to sell your home and you didn't repair or replace the damage roof, siding or gutters- the home inspector will point out the damage and you will have to pay for it yourself ( because the insurance company will only pay a claim up to 2 years from the date of the damage) before the sale goes through. Make sure to get your roof inspected by a Qualified Local Contractor to verify whether there was substantial granule loss or not.
3. Should I file a claim? Will my insurance premiums go up? will they drop me?
4. How Much Will The Storm Restoration Cost Me?
If your home has experienced a legitimate damage from the storm-all you have to do is pay your deductible- the rest is going to be covered by your insurance company.
5. Who should I call First? Insurance Company or a Contractor?
The first thing you should do is to find out if you have damage to your roof, siding or gutters. If you call the insurance company first they will open up a claim and send an insurance adjuster to inspect your property. The adjuster works on behalf of the insurance company and they tend to look out for the insurance's company best interest- not yours. You should call a Qualified Local Contractor first to get your home inspected (usually at no charge) to see if there is any legitimate damage done. If there is no damage- then you don't need to call your insurance company and you won't have an unnecessary claim filed on your record. If there is damage- now you have somebody to look out for your best interest when you file a claim. Make sure your Qualified Local Contractor is present when the adjuster inspects your roof so he can make sure the adjuster sees all the damage.
6. What Should I Do If Somebody Knocks On My Door and Offers To Replace My Roof, Siding Or Gutters For Free; Offers To Cover My Deductible or Makes You and Offer That Sounds to Good to be True, etc?
1. In many states and municipalities it is illegal for a contractor to cover homeowner's insurance deductible. This type of insurance fraud is a misdemeanor for a contractor but a felony for the homeowner. Stay away from people/companies that offer to "eat your deductible".
2. Never sign a contract that you didn't read or don't understand. Start and end dates, total amount, lien releases must be in the contract- never sign an open contract! A Pushy representative is a red flag and should be avoided.
3. Do your due diligence first: check the BBB, check their references, verify that their insurance is valid if they have one, check if there are any complaints filed against them with the state.
4. When a hail storm hits even a handyman and a gutter guy will call themselves a Storm Restoration expert. The truth is - the insurance claim process is complex and it's not unusual for a homeowner to receive much less than they are entitled to from their insurance company (or even get their claim denied) because a contractor does not have enough experience to work with the insurance company on the homeowner's behalf to make sure that the homeowner gets everything they are entitled to.
5. Storm Chasers are contractors who travel around the country in search of areas damaged by wind and/or hail storms. They are known high-pressure sales techniques, vague and self-serving contract agreements, shoddy workmanship, lack of knowledge of local laws, local licenses, little or no insurance, haphazard training and high turnover of crews etc. If there are any problems with the roof, siding or gutters down the road- Storm Chasing company are thousands of miles away "working" another storm. If you get anything out of this - avoid Storm Chasers at all costs. Take your time to do the due diligence. Hire only Qualified Local Contractors with at least 200 insurance claims under their belt.
High winds, hail, tornadoes, heavy rain and lightning can cause unexpected damage to your home or business. Service Painting and Roofing rapid response team is available 24/7 to meet your emergency needs for single-family homes and commercial structures. When dealing with the effects of a storm disaster, it's imperative that you choose an experienced contractor like Service Painting and Roofing. We have the resources and expertise to minimize any damage, and then return your home or business to it's original condition. Our professionals can also help guide you through the insurance process, including documentation of any damage for insurance claims.
At Service Painting and Roofing, We don't Chase storms.
We are located in the Heart of Texas servicing our Local
Dallas/Forth Worth and surrounding Communities.