Hail & Wind Damage Insurance Claims
Asphalt Shingle Roofing
Fascia & Soffits
Overhead Garage Doors
Homeowners Guide To Hail, Wind, Storm and Lightening Damage.
Hail can damage your shingles, siding, or gutters without any visible signs from the ground. Hail normally has to be at least the size of a golf ball before it will break through your shingle and cause bruising.
If driven by high winds or if it hails for more than a few minutes, your roof will suffer from loss of protective granules. This will greatly reduce the life of your roof. Siding, gutters and fascia can be dented by hail. Frequently this damage is difficult to see until the light is right. Have the exterior of your home inspected to be safe.
Loss of granule layer on the shingle will cause the organic-based center of the shingle to be exposed to the sun’s UV rays. This will cause serious deterioration of the shingle in a short period. Furthermore, hail can actually puncture or seriously damage your roof.
Over 50 miles per hour can lift the shingle and cause seals to break, never to be resealed. The unsealed shingles will then flap in the breeze and soon snap off.
Improper or inadequate ventilation in your attic will cause the shingles to scorch and bubble up causing a serious problem.
An inspection by a trained technician can verify the extent of the damages and outline the means to get them repaired.
We have provided full service to our clients since 1947. Let us help make your storm damage claim less intimidating and insure you receive the best results.
If You Think Your Property Is Damaged. Call J. Powell Construction. for assistance. One of our specialists will meet with you to assess your property. If damage is found. We will inform you to call your insurance company, and will provide an initial assessment estimate. We will also provide you and your insurance company with an initial assessment and estimate of the damages.
Getting through the process! J. Powell Construction will work with you to assure a clear understanding of the process and receive a fair claim settlement.
We will inspect your property for visible signs of damage.
A (10’x10′) “test area” will be measured on every slope of the roof. If we find a sufficient amount of bruises or breaks for each “test square”, the insurance company will pay for a new roof less your deductible. If gutters, siding, brick, etc. are dented, you will be paid for a replacement “of like or kind quality.”
You are entitled to have the contractor of your choice represent you. We will represent you during the inspection process. First, we will meet with you to determine the extent of the damage, then we will meet with your adjuster to determine all other aspects. In most cases, all you pay out-of-pocket is your deductible. Most discrepancies occur when the adjuster has not assessed the same amount or type of damage as the contractor. Whether it’s for the roof, gutters, siding, or other exterior damage, we work with the adjuster in finalizing the cost of the repairs and getting your claim paid.
How Insurance Companies Pay Claims
You should receive the first check about a week after the adjuster has estimated your damage. This check represents the actual cost to repair or replace the damaged property, less depreciation and your deductible. The age and condition of the property is taken into account when calculating depreciation. The depreciation amount will be paid when work is completed and an invoice is sent to the insurance company.
If you are carrying a mortgage on your home, the first check you receive from your insurance company should be made out to you and your mortgage company. The check along with required documents of your mortgage company must be satisfied to clear your check. We assist you with this process, or if desired, complete it for you.
Why Choose Us?
All of our staff is specially trained with storm damage claims and will provide you with the best representation possible. We have many crews, each excelling in it’s own field.
The Roofing Process
We roof per the National Roofing Contractors Association guidelines. We strip off the old shingles and check for any bad decking or chimney flashing. We apply felt, ice and water shield (if code), re-roof to code using four (4) nails per shingle.
Please keep in mind that this is a major construction project.
Shingles, particularly second layers, come off in pieces.
Expect a bit of a mess no matter what contractor does the work. Be sure the items on the interior of your home that react to vibration during the installation process are secure.
We will clean up and haul away trash including picking up nails with a magnet.
In most cases, reroofing can take one to two (1-2) days to complete.
STORM DAMAGE INSURANCE FAQS
Am I required to have homeowners insurance?
It is always smart to have a good homeowners insurance policy, even if you don’t owe any money on your home. If you have a mortgage, home equity loan, or use your home as collateral, your lender will require you to maintain insurance.
Are all homeowners insurance policies the same?
There are many different types of insurance policies. Levels of coverage, exclusions and limits of liability vary greatly. Some policies provide basic coverage, while others offer broad coverage and high levels of protection.
Does my homeowners insurance cover all types of storm damage?
A: It depends on your policy. Most homeowners insurance policies cover storms including hail, tornado and wind damage. But, floods and earthquakes usually require additional coverage. It is always smart to check your policy to see exactly what is covered.
Is replacement cost the same as the sale price of my home?
Not necessarily. The replacement cost is the actual cost to rebuild your home in the event it is completely destroyed, which may be more or less than the market value, or sale price.
What does a homeowners insurance policy cover?
Homeowners insurance covers the repair or replacement of your home and its contents up to defined limits. Your policy may also include a liability policy, which protects you in the event someone is injured on your property due to your negligence.
What are the various types of coverage included in a homeowners policy?
To determine the types of coverage you have, check the declarations page of your insurance policy. Types of coverage are as follows:
Coverage A – Damage to your home
Coverage B – Damage to other structures including garage, deck or swimming pool
Coverage C – Loss or damage to the contents of your home
Coverage D – Loss of use in case your home is not inhabitable
Coverage E – Personal liability to third parties
Coverage F – Medical payments to third parties
Who pays for living expenses when my home is being repaired after a storm?
Your insurance company will pay for loss of use, in the case that your home is uninhabitable after it has been damaged by a storm, up to applicable limits.
Does my policy cover tornado, wind and hail damage?
Most standard homeowners insurance policies cover damage done by tornado, windstorms and hailstorms. Check your policy for limits and details.
What is not covered by homeowners insurance?
Earthquakes, floods and other named exclusions and usually require separate coverage. Normal wear and tear and poor maintenance is not covered by insurance.
Will my insurance cover the cost of tree removal after a severe storm?
Most policies cover the cost of tree removal after a storm, however, you should check your policy. Some insurance companies require a separate tree removal policy.
Will my homeowners insurance cover damage to cars on my property?
No. Damage to your car is not covered by your homeowners policy, even if a tree on your property falls and damages your car. Damage to your car is covered by your comprehensive auto insurance policy.
If I file a storm damage claim, will my premiums go up?
Most states prohibit insurance companies canceling your coverage or singling you out for a rate increase due to an Act of God damage claim.
Will my homeowners policy cover earthquake damage?
Not unless your policy specifically includes coverage for earthquakes. In most cases you’ll need a separate insurance policy to cover earthquake and flood damage.