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Roof Replacement Due to Hail or Storm Damage

Jacob's Ladder Roof Replacement for Storm Damage in Richmond VA

Wind Damage, Hail Damage and Storm Damage

On an asphalt roof, hail damage looks like a dark spot, or bruise, (picture below) where the roofing granules have been knocked away. In some cases you may find holes, cracking, or missing shingles on roofs with hail or storm damage. After a tornado or hail storm, you may notice split seams and torn or missing shingles. This can result in leaking and serious water damage, which can lead to mold formation and wood rot, which can compromise the structural integrity of your roof resulting in collapse. In severe wind storms, it is common for shingles or sections of the roof to be missing altogether.

Common Signs of Roof Damage Include:

  • Missing shingles
  • Bruises or dented asphalt shingles
  • Cracked or broken tile, slate, or concrete shingles
  • Granules collecting in gutters or downspouts
  • Leaks in your roof or ceiling
    Jacob's Ladder Roof Replacement for Storm Damage in Richmond VA

It is important to address these signs immediately to minimize the threat of potential damage. At Jacob’s Ladder we identify these signs and clearly relay them to our customers upon the completion of each free estimate. Often times these damages will be covered under your homeowner’s insurance policy, but it is important to follow the necessary steps to ensure a proper claim is made and to prevent mishaps.

1. Do your homework and get educated about your coverage and any potential costs prior to contacting the insurance company. Locate and carefully read your Homeowner’s Insurance Declaration pages regarding your coverage especially the replacement coverage articles. Remember that your Insurance company is the only one who can approve the payment of these damages.

2. Prior to anyone getting on your roof, other than the insurance adjuster (with proper credentials), obtain a current workers compensation and general liability certificate. These coverages should then be verified with the listed insurance agent. If anyone is injured on your property, you are liable without this protection! Jacob’s Ladder is proudly Licensed and Insured and we will gladly supply you this information at your request.

3. Contact your insurance company and let them know of any damages (hail or wind) that you think you may have incurred. Regardless of what any contractor tells you, your insurance company must approve your claim for a hail damaged roof.

4. Get one or two detailed proposals for replacing your roof from a reputable company like Jacob’s Ladder. Make sure you only contact State Licensed Contractors in the state where your home is located. And they should be certified by the roofing product manufacturer and listed on the manufacturer’s website as such.

Jacob's Ladder Roof Replacement for Storm Damage in Richmond VA

5. Never sign any agreement that allows a contractor to act as your representative to file an insurance claim or receive an insurance payment. Never sign any agreement that states that a contractor will install your new roof for whatever the insurance company will pay.

6. Schedule a time to personally meet with your insurance adjuster. Make sure the adjuster thoroughly inspects your roof for not only suspected damage but any other damage. Provide the adjuster with your preferred contractor’s detailed written proposal. Your insurance adjuster will provide you with a report detailing all of their expenditures for your claim amount.

7. Provide the insurance companies report to your contractor for their review to insure that the quantities of material and the complete replacement value are correct. The contractor can help you determine if you need if you need subrogation from your insurance company. This can usually be done with a phone call between the insurance adjuster and your contractor. This should be the only time your contractor should speak with the insurance adjuster on your behalf. The insurance adjuster will notify you of any changes to your claim.

8. Remember your homeowner’s insurance adjuster is the only person that can approve an insurance claim. You are in control of the contractor that performs any work on your home.

    Jacob's Ladder Roof Replacement for Storm Damage in Richmond VA
    Jacob's Ladder Roof Replacement for Storm Damage in Richmond VA

Jacob's Ladder, your professional Richmond Roofing Contractor: (804) 255-9142.

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