Hail 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.
Various Ways Shingles Can Be Damaged
HAIL
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.
HIGH WINDS
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.
VENTILATION
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 JOHN BEAL INC. 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.
- Provide initial assessment estimate.
We will provide you and your insurance company with an initial assessment
and estimate of the damages.
- Getting through the process.
We will work with you to assure a clear understanding of the process and
receive a fair claim settlement.
The Inspection
We will inspect your property for visible signs of damage.
- Test areas
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."
- Contractor Representation
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.
Mortgage Companies
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.
We are members
of the National Roofing Contractors Association, a preferred Contractor
for manufacturers such as Owens Corning
and CertainTeed, and we have been
awarded ShingleMaster Crew Status by employing a Master Roofer
Applicator-qualified workforce.
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.
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