RESIDENTIAL

Your home is your biggest investment. When a disaster strikes you have your hands full. Your focus should be on making decisions that will help your family – not learning the ins-and-outs of the insurances claims process. Dealing with insurance claims is confusing and stressful and to make matters worse, insurance companies know that most homeowners have little knowledge about the claims process. You deserve to get back all of what you lost, not just part of it. When a disaster strikes you need a team of professionals to advocate for you.

MULTIFAMILY 

Multifamily complexes include townhomes, rental apartments, condominiums, and cooperative apartments. Each of these complexes provides a simpler way to live, but when it comes to insurance claims, it’s not so simple. Many moving parts can be confusing and stressful. When dealing with multifamily complexes you must consider the tenants, the loss of rent, relocating families, and keeping your business running. You will find yourself trying to navigate through a maze of complicated insurance claim processes. Many processes including, but not limited to: business interruption, damage calculations, lengthy inspection, and the possibility of being denied pay, delayed pay, or being underpaid. It is essential to enlist the help of an expert who knows how to handle all potential problems that can occur when processing an insurance claim.

COMMERCIAL 

You know your business best. When it comes to suffering a loss, you need to be able to use that information to get back what you deserve. Your focus should be on maintaining your operations and making recovery decision for your business.

You shouldn’t have to spend hours learning about the insurance claims process. The business interruption is devastating enough. You need to get professional help from people who will advocate for you and your business.

If you have questions or are unsure as to whether you should accept the offer from your insurance company, contact Repair King today for a free claim review. Repair King to assist with your claim helps level the playing field and ensure that your claim is paid fairly and the maximum settlement for your claim is paid.

Hail damage happens quickly and unexpectedly and can be devastating to your property.

First, everyone should know what a hail damaged roof looks like and understand the basics of how this kind of damage progresses. Next, it’s important to understand what to do once the homeowner notices hail damaged roofing.

When a hail storm hits, Repair King’s Storm Response Team is just a phone call away.

Repair King is the first to respond. We provide you with an inspection from a representative who is highly experienced in identifying and dealing with storm damage. We can provide you with photos, documentation, an accurate estimate, and a report of the damage for your records.

Sometimes emergency repairs are needed along with documenting the occurrence properly to be properly compensated by your insurance company. Repair King is always standing by with Emergency crews to respond to immediate needs to prevent further damage until your insurance adjuster verifies the damage.

Please know that not every contractor is the same! Storm Damage Repair is our area of expertise and where we provide the most value for our clients! We are experienced in walking you through the process step-by-step and assist with the headaches that come along with the claim process.  

Repair King knows hail damage roof repair inside and out!   What should every homeowner know about spotting a hail damaged roof and locating the very best hail damage roof repair team?

Anyone who owns a home should know about the factors that affect a house during a hail storm. The “Big 4” are hail, material, wind and barriers. Whenever a storm brings hail, the amount of damage is based on the size of the hail stones (and their density), the material on a roof, the speed and direction of wind, and whether there are any protective barriers in place (like large trees or other buildings).

• Hail: Small, dense hail stones can cause serious damage, so it’s not just a matter of “bigger is worse.” One major part of the equation is how dense the hail is. Soft, mushy hail might cause little or no damage. On the other hand, dense, icy hail can be devastating.

  

  

  

• Material: Roofing material is another key factor in determining how much damage hail can do. Aluminum, vinyl and wood all react differently. Hail stones can leave thousands of dents in aluminum, can break vinyl, and can cause wood to splinter or split. Homeowners should know what type of roofing material they have in place. Also, older, poorly maintained roofs tend to suffer the most in hail storms. That’s why it’s important to keep roofs in top shape.

  

• Wind: As with all weather events, wind speed and direction are important considerations. When it comes to hail damage, high winds can magnify the power of the hail stones by increasing their speed and causing them to shift direction.

  

Understanding the four factors of a hail storm can help homeowners know what to expect when a storm is on the way.

Hail damage roofing symptoms include things like broken shingles, damaged tiles and multiple indentations anywhere on the roof, on the gutters, or on areas where siding covers the home.

Asphalt, wood, and composition shingles react to hail in quite different ways. For example, an excess of granules (from asphalt shingles) in gutters is usually a sign that recent hail damage has shaken the granules free. This leaves the shingles susceptible to heat damage, cracking and eventual breakdown.

Chipped, broken, or cracked shingles are the most obvious signs that hail has done its dirty work. Less obvious features of hail damage include loss of granules (see above), an unusually “shiny” asphalt matting on shingles, tiny orange or brown splits in the bodies of shingles, dents in the roof surface, small black dots in roof coverings, and many more.

Always be on the lookout for the common symptoms of hail damage but resist the urge to pull out a ladder and do a major inspection. Leave that task to roofing professionals.

Safety first! It’s one thing to look at a roof after a hail storm and try to spot areas of obvious damage. But a homeowner should never attempt to climb onto a roof to get a closer look. That’s what professional roofers are for. The Repair King repair experts are happy to check out any roof, inspect it for damage, and give the homeowner a free estimate with no strings attached.

Insurance coverage for hail damage roof replacement or repair is essential. Most homeowners have insurance that covers the costs involved, but there’s still the problem of filing a claim quickly and correctly. Keep in mind that some insurers enforce “claim periods”. Check with your insurance company how long you have to make a claim.

At Repair King, our team is on hand to help everyone who has suffered hail damage. We walk our customers, step by step, through the claim filing process and make sure every detail is taken care of. That way, homeowners can relax and know that their insurance company won’t be bothering them about a foreign industry that is constantly evolving. Repair King's representatives will protect you from these unfamiliar arena and battles.

The bottom line is this: If there’s been a hail storm, call the experts at Repair King for a free inspection, a free estimate and the most trusted repair team in the industry. We’ll make sure all insurance claims are filed accurately and on time so that homeowners can get the damage fixed without hassles or delays. There’s absolutely no reason to lose the battle against hail damage. Defeat roof hail damage by teaming up with Repair King.

Homeowners are often surprised to learn that even about high winds or heavy rains can wreak havoc on a home. Left unfixed, storm damaged roofing can get much worse through deterioration, the spreading of cracks, and routine aging.

Musty, bad odor coming from walls or ceilings:

When water damage occurs within walls or other “hidden” parts of a home’s interior, owners might not even notice it for weeks. One sign of storm damage is odor that comes from a buildup of mold and mildew in unseen spots.

Roof storm damage takes many forms, and only a professional can correctly diagnose the condition and propose the right solution. Sadly, some homeowners spend too much when only a minor fix is called for.

On the other hand, some make the mistake of assuming a minor problem will “go away” or resolve itself after the rains end and the dripping stops. Nothing could be further from the truth! This error can lead to thousands of dollars in unnecessary repair bills later on.

Besides the obvious reason of keeping storm damage roof repair costs to a minimum, there are several important reasons to fix a roof as soon as any damage occurs:

If your claim has been denied, the first thing to know is that insurance companies are for-profit businesses; it is in their best interest to avoid paying claims. If a home has been damaged, the insurance company may offer a low-ball settlement or deny the claim altogether to avoid depleting their cash reserves. To avoid paying claims, the insurance company may try to categorize the damage as exceeding the scope of the policy. They may blame the damage on factors other than those covered by the policy, or offer a low-ball settlement should they determine it is a valid, unavoidable claim.

For example, roof damage is often a point of contention between insurance companies and homeowners. The homeowner will file a claim stating that the roof was damaged by hail, the wind, or natural disasters, while the insurance company will allege the damage is a result of wear and tear – which is not covered under the policy.

This disagreement is not uncommon in claim disputes, including those concerning hurricane damage, storm damage, lightning damage, fire damage, water damage, and mold.

Winter storms can bring in hail, ice, snow, high winds and heavy rain, all of which can cause unexpected commercial property damage. Mounds of wet, heavy snow can cause leaks in the ceiling or even worse, a roof collapse. Strong wind combined with hail can damage the siding on your commercial property or break heavy tree branches. These are considered to be the most important components of your property. No matter what instance occurs, United Public Adjusters & Appraisers is here to help you protect your property!

By filing the claim yourself, you risk experiencing delays from the insurance company. As time passes, the damage to your property can increase and you’ll continue to remain stagnant with business. We can take the stress of the process away from you. Our team is highly experienced in commercial property insurance claims and will thoroughly investigate your loss to help lead you to financial recovery.s

1. DO NOT FILE A CLAIM FOR ROOF DAMAGE UNLESS YOU CAN SEE THE DAMAGE

Some people wrongly assume that there was no damage if they do not see missing shingles. However, shingles are usually taken off a roof by wind, not hail. This is why insurance companies do not use missing shingles as an identifying criteria for hail damage.

Hail damage to the roof is often difficult to see from the ground. This is why you should have your roof inspected by an experienced Contractor AND an Insurance Adjuster who is trained to identify hail damage. An inspection by a roofer is not good enough because these people are usually not trained on identifying hail damage.

It is better to have an inspection than to assume there is no roof damage. If you are wrong, the damage could lead to leaks or other problems down the road and you might not be able to obtain insurance compensation for the damage that occurs.

2. HAIL DAMAGE TO THE ROOF IS COVERED BY THE WARRANTY

This myth is common among people who recently had the roof on their house replaced or people whose houses have roofs that are still under warranty. Unfortunately, hail damage is often excluded from roof warranties offered by contractors, builders and manufacturers.   

3. THE ROOF SUSTAINED MINOR DAMAGE SO IT IS BETTER TO NOT FILE A CLAIM

You should always report damage to your roof from hail, no matter how minor it may seem. If you do not deal with the damage now, it could lead to more costly problems later, like leaks.

4. MY INSURANCE COMPANY WILL CANCEL MY POLICY IF I FILE A CLAIM

Under the Consumer Bill of Rights adopted by the Texas Department of Insurance (TDI), homeowner's insurance companies cannot cancel a policy that has been in effect for 60 days or more unless:

•  You fail to pay your premium on time
• You file 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

5. IF I DO NOT FILE A CLAIM MY RATES WILL NOT INCREASE

It is possible that your rates will increase after you file a claim. However, this could be because of factors you cannot control.

For instance, if a lot of other homes were damaged in the hail storm, a lot of people will likely file claims. Insurance companies often raise rates when they receive a lot of claims in a short period of time.

You should not let this deter you from filing a claim because it may be the only way to obtain the compensation you need to be able to repair the damage to your home.

You are going to pay the higher premium whether you file a claim or not. However, if you do not file a claim, the higher premium will fund other people's insurance claims while you get nothing.

6. THE INSURANCE COMPANY DENIED THE CLAIM SO I CANNOT OBTAIN COMPENSATION

In some cases, you are out of luck when the insurance company denies your claim. However, there are other cases where the insurance company denied a perfectly legitimate claim for property damage from hail.

It is best to meet with an experienced insurance bad faith lawyer to review your situation. It is possible that the insurance company acted in bad faith and you could have more success by filing another claim.

7. THERE IS A ONE YEAR TIME LIMIT FOR FILING AN INSURANCE CLAIM

The time limit for filing claims should be stated in your policy. It is better to double check your policy than to make an assumption about how much time the insurance company gives you to file a claim.

If the hail storm was severe enough that there is damage to many homes in a large geographic area, the insurance company could extend the deadline for filing a claim.

However, you should still file a claim as soon as possible. Waiting could arouse suspicion with the insurance company that you are just trying to get money and your home did not sustain damage.

8. INSURERS DO NOT HAVE TO PAY TO REPLACE THE ROOF

Sometimes insurance companies say they will only pay to repair the damaged sections of the roof rather than replace the whole thing. In some cases, this is a perfectly legitimate response.

However, it depends on the details of your policy. The insurance company may be offering to pay for sections of the roof because it costs less than replacing the whole thing.

It is best to consult an attorney to ensure you receive all of the compensation you deserve. You could void the warranty on the roof by repairing sections of it and not replacing the whole thing.

9.THE INSURANCE COMPANY DOES NOT HAVE TO PAY IF THE ROOF WAS IMPROPERLY MAINTAINED

This might be true, but you should not take the insurance company's word for it. The goal of every insurance company is to spend as little as possible on policyholders' claims. This means they will use every tactic they can think of to deny or devalue your claim.

You should review your policy or ask for an explanation from the insurance company about why it will not pay for repairs to the roof.