What You Should Know About Storm Damage Repair Work

Insurance Mitigation

Central Texas happens to be located in a region where really large storm systems frequently collide and in the process create massive supercells (rotating thunderstorms). These supercells often create tornados, powerful straight line downbursts of wind and some of the largest hail produced in the world.

These supercells often leave millions of dollars of damage in their wake. When this occurs the “Storm Chasers” quickly show up on the scene offering “free” estimates and also claim to insurance repair specialists. These Storm Chasers are generally regarded as scam artists by the BBB, State Attorney General, Insurance Agents and Adjusters. Unfortunately many unsuspecting business and home owners fall prey to the Storm Chasers with unhappy results.

The Hail damage threshold seems to be marble sized hail. Golf ball sized hail and larger will cause severe damage. It is important to note the reported size of the hail is not necessarily the largest size that fell. Many factors determine the damage created by hailstones, some traveling with velocities greater than 80 miles per hour.

Roofing, gutters, flashings, skylights usually receive the most damage. Damage will not be uniform. Conditions such as the roof pitch, the direction and speed of the wind, age and temperature of the roofing material (older, colder materials are more brittle), thickness or weight of the roofing material and the nature of the substrate supporting the roofing materials determine the extent of damage that occurs. Damage to the roofing and roof structures cannot accurately be determined from the ground. In the case of roofing shingles and membrane roofing, a thorough examination of all surfaces is necessary to determine if the roofing has been punctured, torn, chipped, dented, broken or has significant loss of protective granulation. Sometimes damage is less obvious, such as bruising or delamination of the roofing product. This usually requires a trained eye to detect this type damage. Failure to notice this damage will leave a roof with a much shorter lifespan including possible voiding of the roof’s warranty. 

Other materials which are commonly damaged by hail are windows, doors, siding, wood trim, decking, paving, landscaping, light fixtures, EIFS and Stucco, painted surfaces and mechanical equipment. Damage to such materials is often overlooked by insurance adjusters.

Repairing storm damage is often the easy part of the process. Documenting and producing a very thorough estimate using Xactamate software (widely accepted among insurance adjusters) is necessary to get you all the money due to you from reluctant insurance companies. Further complicating the scenario is the red tape involved to get your mortgage lender to release funds for payment.

Often it is also necessary to debate depreciation issues with the insurance adjuster. For these reasons it is wise to choose a contractor with years of practical experience, education and success in insurance repair work to do your job. HHCC is such a contractor. 

For more information regarding the insurance process please see What happens when you suffer a loss.

HHCC is available for all your storm damage needs. To request more information, schedule an appointment or request service: PLEASE CLICK HERE