Hail Damage & Roofing Guide

Your Property Was Hit by Hail...Now What?

our home, essing hail guide aims to prepared

Initial Damage Assessment

signs of hail impac t, such as dented shingles, broken tiles, and damage and whether a repair or full replacement is necessar y. Remember, early detec tion is key to preventing fur ther damage to your home.

Assessment Repor t

The outcome of the inspec tion is a detailed repor t that outlines the ex tent of the hail damage, recommended repairs or replacement, and an estimated cost. This repor t ser ves as the basis for insurance claims and discussions with your HOA about the repair process.

Understanding the Severity of Damage

The inspec tor will categorize the damage based on its severity. M inor damage might only require repairs, while major damage could necessitate a full roof replacement. The decision between repair and replacement depends not only on the ex tent of the damage but also on the age of the roof and the likelihood of future problems.

Why Early Assessment is Critical

Identifying and addressing hail damage promptly can prevent secondar y issues, such as leaks and struc tural damage, that can arise from neglec ted roof damage. Early assessment and ac tion can save homeowners

Insurance Claims & HOA Notifications

Navigating insurance claims can be daunting, but it's crucial for covering the costs of hail damage. Initiate this process by informing your HOA of the damage if they ’re not already

S t a y i n g w i t hin these gu i del in es e n s u r e s compliance and smoothens the repair process.

Navigating Insurance Policies

Understanding HO6 and Loss Assessment Coverage Filing an Insurance Claim: The Role of HOA and HO6 Policies

Master insurance polic y, which generally covers the ex terior of the building, including the roof. However, with the rising costs of deduc tibles, it's increasingly common for the replacement cost to fall below the deduc tible HO6 policies into focus.

HO6 policies, often associated with condominiums and townhomes, traditionally cover the interior of the unit, from "studs in," encompassing personal proper ty and liability. However, their role ex tends beyond the interior with the addition of loss assessment coverage. This essential coverage can address situations where individual owners are levied a por tion of a large deduc tible or direc t repair costs that the HOA's polic y does not fully cover. For instance, if the Master polic y's deduc tible exceeds the cost of repairing a damaged roof, loss assessment coverage under your HO6 polic y can prevent the need for a special assessment—protec ting you from

LOSS COVERAGE COVER GE

W hy Loss Asse ssme nt Cove rage Is Ne ce ssary

Roof repairs or replacements, par ticularly after hail damage, are not only costly but are also crucial for the struc tural integrity and health of the community. Without loss assessment coverage, proper ty owners might well-being and stress levels.

Loss assessment coverage is an inexpensive solution that can safeguard against these large expenses. While some policies include this coverage by the initial coverage limits can be quite low (e.g., around $1,000). Given the potentially high deductibles of Master HOA policies, increasing this coverage

Stayi ng Inf orme d and Maki ng Adj ustme nts

The Master polic y of your condo or HOA is typically renewed annually, mak ing it imperative for proper ty owners to stay informed about the current coverages. This k nowledge allows you to adjust your HO6 polic y and loss assessment coverage as needed, ensuring you remain adequately protec ted against evolving risks and liabilities.

Moreover, the average cost of an HO6 polic y, including enhanced loss assessment coverage, is around $500 per year—a reasonable price for the coverage and peace of mind it provides.

Some HOAs may limit the amount of loss assessment coverage that can be applied toward the association's deduc tible. In such scenarios, proper ty their polic y, fur ther emphasizing the impor tance of understanding the insurance provider to tailor your polic y to your needs.

Choosing a Roofing Contractor

Selec ting the right contrac tor is pivotal. Choose a licensed, insured, and experienced contrac tor in hail damage repairs. Verify their credentials and references. A good contrac tor will also be familiar with your HOA’s rules and can help ensure that the projec t adheres to community standards. This choice

Roof Repair or Replacement Process

The scope of repair work varies depending on the hail damage often requires a full roof replacement. The process includes selecting materials that meet your insurance coverage and HOA standards, removing the damaged roof, and installing the new one.

The contrac tor should handle permits and inspec tions as required.

Project Execution with Interstate Roofing

Following a detailed assessment and preparation, this stage involves the ac tual repair or replacement of your hail- damaged roof. A well-managed projec t minimizes disruptions and ensures quality results. Here’s an expanded look at what to expec t during the projec t execution phase:

Timeline Communication

clear, detailed timeline for the projec t. This schedule outlines key milestones, such as the arrival of materials, star t and completion dates for the work , and any inspec tions. Regular updates are essential to keep you informed of progress and any adjustments due to weather or unforeseen challenges.

Preparation and Safety

proper ty and ensure safety during the projec t. This includes using tarps to protec t landscaping and ex terior features, setting

accidents. Your contrac tor should also inform you about any necessar y precautions you and your family should take.

Projec t Management and Crew

guidance of an experienced projec t manager. This manager is your point of contac t for any questions or concerns and is responsible for overseeing the quality of work and adherence to the timeline. The crew ’s exper tise and professionalism are vital for a smooth projec t execution.

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Work Process

The repair or replacement process begins with the removal of the damaged roof components. In a full replacement, this includes stripping old shingles, tiles, and underlayment. The roof is then inspected for structural damage before installing new materials. For repairs, only the damaged sections are addressed. Throughout this process, the contractor should manage debris and maintain a clean work site.

Quality Control

During and after the projec t, quality control checks are crucial. These checks ensure the work meets all local building codes, clean gutters and downspouts.

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Minimizing Disruptions

contrac tor will take steps to minimize these disruptions. Discuss any concerns about noise, access, or timing with your contrac tor beforehand. They should accommodate your needs as much as possible, ensuring the project’s impact on your daily life is minimal.

Post-Projec t Follow-up

After the projec t concludes, there may be follow-up ac tions with your HOA and insurance company. Provide them with projec t details and any necessary documentation. It's also wise to schedule periodic roof inspec tions and maintenance to prevent future hail damage and ex tend the life of your roof.

mpac t damage from hailstones that can erials. Hail Damage

erials used to prevent water from ering at joints or intersec tions on a roof. lashing

amount you pay out- of-pocket before rance covers the remaining costs. Deduc tible

LOSSARY AQ

w do I k now if my roof has hail damage? uestion

ns include dented shingles, cracks, and missing pieces. A professional inspec tion nswer

my insurance cover hail damage? uestion

erage varies. Review your polic y or act your insvurance provider for details. nswer

Dealing with hail damage can be challenging, but understanding contractor, you can navigate this process smoothly and ensure your home is repaired to its pre -damage condition.