About Hail Damage
HAIL DAMAGE The impact of hail on shingles can cause the following:
1. It can remove and fracture the granules surfacing material. This may be obvious after large storms that have large hail or storms that hail for extended periods of time. This damage to the shingles may or may not be obvious.
2. The granule surface material is loosened. This will not immediately show up as visible damage. This will cause the shingles to lose granules over time at an accelerated rate and lead to premature failure.
SHINGLE STRUCTURE AND PURPOSE
1. The granules protect the asphalt from sunlight and ultraviolet (UV) light. Sunlight and UV will deteriorate the asphalt. The asphalt will deteriorate very quickly once exposed to the sun. Any accelerated granule loss will significantly reduce the life of the shingle. It has been expressed that there are 25% more granules on a shingle that what is needed. This is not true. Some granules are not actually embedded in the asphalt when the shingle is produced and will come off the roof in the first year after application. After the first year the shingle does not carry more granules than are necessary to protect the shingle for its intended life expectancy.
HOW TO IDENTIFY HAIL DAMAGE
1. Missing areas of granules on shingles.
2. Gutters, swimming pools or areas under eaves that are covered with or full of granules. Most shingles only have a few pounds of color granules per square of coverage. It does not take too many missing or loose granules to have significant damage.
3. Dimples on shingles. May also be seen on the back of the shingle as around, half round or crescent shaped bruises. The dimples may only be seen on the edge of the shingles.
4. Dents in the flashing, ridges, vent stacks and lead boots would indicate that the roof has seen damaging hail.
The repairs you need, the quality and convenience you deserve.
After severe weather such as a hailstorm, it is sometimes very difficult for home and commercial property owners to determine whether or not damage has occurred. Our professional roof consultants are trained to identify the cause and extent of the damage, and know the criteria involved and the severity of damage necessary for total replacement of your roof.
If your home has been damaged, we will work with you and your insurance company from start to finish, ensuring that you receive the compensation you’re entitled to and the quality repair and restoration that will enhance the safety, value and beauty of your home.
We know it can be difficult to decide whom to trust to restore your home after it has been damaged by severe weather. At O&S Remodeling, we want to assure you that even though your insurance is paying for the repairs, YOU are our customer. We will do everything we can to make the process as smooth and trouble-free as possible, and guarantee your complete satisfaction with the work we do and the materials we use. We have been through this many times and have thousands of satisfied customers. And just so you know what to expect when you trust O&S Remodeling, we have outlined our restoration process:
Insurance Restoration Process
- A Project Manager will conduct an inspection of your house to determine the extent of damage to the exterior of your home, including but not limited to, your roof, siding, and windows, as well as the interior of your home.
- Upon finding damage, we will ask you to call your insurance company to initiate a claim. (Unfortunately, insurance companies do not allow us to do this for you.)
- Once you have a Claim Number, our Project Manager will contact the Insurance Adjuster assigned to the claim on your behalf and begin the restoration process.
- Our Project Manager will meet with the adjuster and point out all the damage. If the Adjuster agrees with our assessment, we will notify you immediately. If they disagree or refuse to pay for everything we feel you are entitled to, again we will notify you. If necessary, we will request a different adjuster to re-inspect your home.
- Once we have received approval from your insurance company, two things will happen simultaneously: First, the Insurance Adjuster will have your insurance company issue you a check for at least half the total cost of the project. While you are waiting for your check, you and our Project Manager will pick out building materials and colors. Second, we will pick up a check for the insurance deductible (generally $500-$1,000). This should be your only out-of-pocket expense.
- Next, our Project Manager will order the materials needed to replace/repair the damaged area.
- When the materials are delivered, our Project Manager will inspect the products and make sure that all of the materials are there, in the right colors, and everything is correct. Also at that time, our Project Manager will be picking up the first check you will have received from the insurance company. In the construction industry, it is called a “Material Drop Check,” as materials have been dropped off at the work site.
- Once the Material Drop Check has been picked up, our Production Manager will schedule the work to be done on your home and assign the crews.
- On the day of construction, our Project Manager will be at your home to meet the crews and get started.
- Once everything is completed, you and our Project Manager will inspect the work together to confirm that everything has been completed to your satisfaction.
- After completion of the work on your home, our Project Manager will invoice your insurance company for the remainder of the money they owe for the project. When you receive final payment from your insurance company, our Project Manager will come to your home to pick up the check.
Homeowner referrals make up a large percentage of the work we do. To show our appreciation, we offer a $50 referral bonus upon completion of each project we receive based on your referral.