Roofing and Construction Myths
We understand that there’s alot of questions you might have, hopfully we can help answer some of them.
Q: I'm not missing any shingles so I must not have damage.
A: Missing shingles are related to wind damage claims and can happen during a hail storm if the winds are high enough; however, hail damage is insidious in nature and may not physically cause leakage for years after a hail storm.
Q: My insurance company will cancel my policy if I file a claim.
A: Texas law prohibits insurance companies from canceling policies for filing claims arising from severe weather related events.
Q: I only have 1 year to file my insurance claim.
A: Many insurance companies do have a one year time limit--and some even less; however, due to the nature of hail damage, they may pay claims past the deadline. This usually happens if a hail storm is widespread geographically.
Q: My roof is new so it's covered by the manufacturer's warranty, home builder or contractor.
A: Manufacturers specifically name hail as an exclusion to their product warranty, and so do home builders and roofing contractors. Newer roofs can actually be more susceptible to hail damage versus older roofs due to the time it takes a new roof to cure from exposure to the elements.
Q: I was told my roof has minimal or very little damage and therefore I don't need to file a claim.
A: If your roof has any damage whatsoever, you have a valid insurance claim and should file with your insurance company. Damage might not cause your roof to leak for years. This is why it's important to have a qualified person inspect your roof.
Q: If I don't file my claim, my insurance company won't raise my rates.
A: After a disaster, insurance companies may raise everyone's rates. By not filing your claim, your personal rate increase is paying for everyone else's damage except yours.