Archive for May, 2016

May 12, 2016

Sub­ject: Brief Expla­na­tion On Pos­si­ble Hail Dam­age And What To Do

Dear Home­own­ers,

Dur­ing the evening of May 2, 2016, a thun­der­storm brought hail as large as 2.25 inch­es to sev­er­al neigh­bor­hoods in South­ern Prince William and Fair­fax Coun­ties. You may have noticed signs from roof­ing com­pa­nies pop­ping up through­out your neigh­bor­hood. The fact that the “storm chasers” have arrived can be a good indi­ca­tion that your area is involved. Many of these “storm spe­cial­ists” sub­scribe to inter­net hail reports that quick­ly alert them to areas that may have sig­nif­i­cant dam­age.

Relax!  Your home is prob­a­bly not in immi­nent dan­ger. While sig­nif­i­cant sized hail can dam­age the shin­gles, sid­ing and gut­ters; tear win­dow screens and dent many roof vents, the sit­u­a­tion is typ­i­cal­ly not an imme­di­ate threat and your roof will prob­a­bly not leak. In this brief let­ter, I will give some sug­ges­tions on how to pro­ceed with the eval­u­a­tion of the pos­si­ble dam­ages to your home with local roof­ing com­pa­nies who will be here for many years after the “storm­ers” have moved on to anoth­er hail oppor­tu­ni­ty.

Usu­al­ly there is a two year statute of lim­i­ta­tions on report­ing this dam­age to the insur­ance com­pa­ny. Your insur­ance com­pa­ny will already be aware of the storm and may have dis­patched addi­tion­al adjusters to the area. Mar­shall Roof­ing, Sid­ing, and Win­dows has been ser­vic­ing Prince William Coun­ty since 1980 and has assist­ed local home­own­ers through at least 5 major hail events dur­ing the past 36 years. You do have a lit­tle time and don’t need to rush to sign with the first con­trac­tor that knocks on your door.

If you think you may have dam­age, the first step would be to con­tact your insur­ance com­pa­ny and request that they send an adjuster to eval­u­ate the con­di­tion of your roof, sid­ing, and gut­ters. Base on avail­abil­i­ty, we may be able to meet an adjuster at your house to pro­vide roof access and to point out pos­si­ble dam­age. Some insur­ance com­pa­nies may require that you sign a form autho­riz­ing Mar­shall Roof­ing to rep­re­sent you in this claim. This will enable us to work direct­ly with the adjuster to make sure their adjust­ment is cor­rect includ­ing the num­ber of square feet of roof­ing mate­ri­als, local require­ments for ice pro­tec­tion, etc.

After the adjuster makes this eval­u­a­tion he will pre­pare an adjust­ment report, usu­al­ly using a pro­gram such as Xac­ti­mate, list­ing the allowance for the var­i­ous aspects of the dam­age. Often, a large por­tion of the allowance will be held back until the work is done. This will show up as depre­ci­a­tion, but this mon­ey is usu­al­ly released when the work is com­plet­ed.

I hope this infor­ma­tion has been help­ful to you.  If you have any addi­tion­al ques­tions, or we can be of any assis­tance, please feel free to give us a call.

Thanks, Troy D. Mar­shall

Pres­i­dent   Mar­shall Roof­ing Inc.