Top Notch Roofing, Roofing Contractors, Sugar Hill, GA

Storm Damage

                 You Have Insurance For A Reason And It May Be The Season For That Reason

 Due to storms that have swept through our area, many homes have incurred a substantial amount of damage. Hail storms cause bruising and granular loss decreasing shingle life potentially resulting in leaks and damage to the interior of your home. Top Notch Roofing specializes in roof and gutter replacement and we will walk you through the claim process every step of the way.

The insurance company must determine two things when assessing the amount of your loss:

  1. Was there sufficient damage to the roof to declare it a total loss? (Usually determined by 5-10 verified hail hits per 100 square feet.)
  2. What is the size of the roof and how many shingles will be needed to replace the roof

What does hail do to a roof? 

Shingles are designed so that the granules block the UV of the sun and protect the asphalt underlayment. As the asphalt is exposed the UV, it dries out and the shingle gets a "potato chip" appearance as the corners start to curl up. A shingle at the extreme end of its life is bubbled in appearance and is brittle to the touch. A 20-year shingle is warranteed by the manufacturer to have a useful life, under optimal ventilation conditions, of 20 years. Hail does several things:

  • Accelerates granule loss.
  • Accelerates shingle aging.
  • Voids manufacturer's warrantees.
  • Leads to other associated problems.

Why would my insurance company replace my roof?  
The purpose of home owner's insurance is to protect homeowners against losses in their property's value due to damage that is beyond their control. If you have hail damage, you have experienced a financial loss in that your original investment of a 20-year roof (for example) has now been reduced to a 5-10 year useful life span. Your insurance company will compensate you for your loss and replace your roof. 

 

In my adjustment, my insurance company deducted some money for depreciation, what is that all about?  
What it represents is the amount of money the company will hold back until they receive a signed contract from you and a contractor for the work. When they receive a signed contract, you will 
receive another check for the amount they have held back.