Hail Damaged Roof in Keller
When you are thinking of a hail damaged roof in Keller, you may want some information about misconceptions about Homeowners Insurance and hail damage. According to the National Oceanic and Atmospheric Administration, hail causes an average of around $ 1 billion in damages to crops and property every year which could rise to more than $ 2 billion in damages in a particularly bad year. When predicting the size of a hailstone and the potential damage that a hailstorm can cause, meteorologists say that it depends on the updraught which is a wind going upwards which won't allow the rain to fall to the ground but holds a within the higher altitudes of the clouds where the temperature is much lower. Droplets of water are moved up and down and if the movement is severe, the droplets are forced high enough so that they freeze. In a violent storm, the droplets are forced up and down several times and when they become heavy enough by the addition of layers of ice, they fall to the ground as hail. After falling from 30,000 feet or more, the hailstones impact your roof at more than 70 mph.
For many homeowners, hail cannot be avoided and all policies cover hail because it is a sudden event which cannot be controlled. Hail coverage differs from hurricane coverage because hurricanes are much more predictable. For instance, in Florida, insurance companies don't include wind damage from hurricanes in their normal policies and a special endorsement has to be bought to cover this. Hail is much less predictable and can strike anywhere because damage which is why it forms a part of the basic coverage for almost all homeowners insurance policies. The biggest question that most home owners have is how much coverage they get and this question cannot be answered because until the storm has hit, the extent of damage cannot be determined. The important question is how much of the deductible an owner can afford and the deductible as a percentage of the damage offered in some policies is not advisable because it really doesn't save you money.
Anyone whose property is struck by hailstones needs to check with a professional to analyse the extent of the damage. Small hailstones may not cause much damage but larger ones most certainly can and certainly stones which are around 1 inch can cause serious damage. Roof damage is the most difficult to detect because it may be two or three years before leaks are noticed by the homeowner. Sometimes this does not happen until well after the expiry of the one-year period in which a claim has to be filed. Get a professional roofer to take a look at your roof as quickly as
possible so that any claims are not delayed. One way to check is to see if there is a disproportionate amount of aggregate from the shingles in the gutters. Ideally the inspector make a drawing of the roof showing the damage and he should also take photographs. Homeowners also check window ledges for damage and siding because any cracks can eventually lead to leakage. Homeowners should ensure even before any hailstorm that they have enough coverage especially because of the changes in the housing market and the increase generally in home values.
For many homeowners, hail cannot be avoided and all policies cover hail because it is a sudden event which cannot be controlled. Hail coverage differs from hurricane coverage because hurricanes are much more predictable. For instance, in Florida, insurance companies don't include wind damage from hurricanes in their normal policies and a special endorsement has to be bought to cover this. Hail is much less predictable and can strike anywhere because damage which is why it forms a part of the basic coverage for almost all homeowners insurance policies. The biggest question that most home owners have is how much coverage they get and this question cannot be answered because until the storm has hit, the extent of damage cannot be determined. The important question is how much of the deductible an owner can afford and the deductible as a percentage of the damage offered in some policies is not advisable because it really doesn't save you money.
Anyone whose property is struck by hailstones needs to check with a professional to analyse the extent of the damage. Small hailstones may not cause much damage but larger ones most certainly can and certainly stones which are around 1 inch can cause serious damage. Roof damage is the most difficult to detect because it may be two or three years before leaks are noticed by the homeowner. Sometimes this does not happen until well after the expiry of the one-year period in which a claim has to be filed. Get a professional roofer to take a look at your roof as quickly as
possible so that any claims are not delayed. One way to check is to see if there is a disproportionate amount of aggregate from the shingles in the gutters. Ideally the inspector make a drawing of the roof showing the damage and he should also take photographs. Homeowners also check window ledges for damage and siding because any cracks can eventually lead to leakage. Homeowners should ensure even before any hailstorm that they have enough coverage especially because of the changes in the housing market and the increase generally in home values.