Roofing Hail Damage Frequently Asked Questions
Q: Why should I use
Roofing & Construction?
All American Construction understands the devastating effects
that hail damage can have on your home. We also acknowledge the
burden placed on you and your family when given the task of filing a
claim and dealing with insurance companies to replace damaged roofs
and siding. That’s why we work hard to provide a simple solution to
restore your damaged property. And most importantly, we work with
your insurance company so you don’t have to.
1-A Roofing &
Construction is also accredited by BBB as a business that
builds fair and honest relationships with consumers.
Q: Do I have hail damage to my roof?
Find the answers here
Q: Will my premium go up or will I be canceled?
If you have hail or wind damage, you shouldn’t be afraid to file
a claim. Your insurer cannot cancel your policy due to storm damage
and cannot raise your rates on the basis of your individual storm
damage claim. Be aware, however, that insurance rates in your area
can fluctuate whether or not you file a claim.
Q: What is hail and how does it affect my home?
According to NOAA, National Severe Storms Laboratory, “Hail is
precipitation that is formed when updrafts in thunderstorms carry
raindrops upward into extremely cold areas of the atmosphere and
freezes into ice. Hailstones grow by colliding with super cooled
water drops. The stronger the updraft, the larger the hailstone can
grow.” Large hail and strong winds can cause damage to a home’s
roofing, siding, gutters, etc.
Q: How can hail damage my roof?
Hail damage to asphalt shingles can cause granule loss,
puncturing, soft spots or bruising that’s difficult for
non-professionals to identify. In some cases, the damage from hail
is strong enough to rupture the reinforcing mat, which exposes the
underlying fibers (bitumen). Once these fibers are exposed, the
shingle’s ability to shed water deteriorates, reducing the
life-expectancy of the roof and allowing water to get into the
Q: What is replacement cost insurance (RCV) and
what is actual cash value (ACV)?
In the event of a loss your insurance company will pay you the
actual cash value (ACV) which is equal to the replacement cost of
the damaged items minus depreciation and your deductible, When you
replace the item or complete repairs your insurance company will pay
you the depreciated amount.
Q: What type of roofing materials do you use?
& Construction offers a variety of materials, and
expertise to make the roofing process picture perfect.
Click here to learn more.