The one sure thing about the weather is that it is always unpredictable. Severe storms can wreak havoc on your house, car, and city. A house can easily be pummeled with unsightly dents and holes in the siding, with the shingles on your roof being damaged due to hail. The cost to repair hail damage can be shocking because the damage is commonly spread across your entire roof and home. The good news is, that it's possible hail damage could be covered under your insurance policy. If your home has experienced hail damage, don't hesitate, call today for a free hail inspection!
High winds can cause damage to your roof, even without hail or other harmful weather. There are several types of damage high winds can cause to your roof, including leaks, missing shingles, and gutter problems. High winds do not hit your roof evenly across the surface. The corners, the edges of the roof, and the ridge line are especially susceptible to damage from high winds. High winds can cause your roof to “lift.” While the shingles may look intact from the ground, extreme winds coming up over the roof can create a suction effect and “lift” the shingles upwards, loosening the nails which are holding them down
When lightning strikes a house, it can travel in any number of directions. Roofs often take a major hit, and metal gutters are especially susceptible, too. The surge usually takes the path of least resistance, which means electricity can run throughout all of the wiring and even plumbing in your home. A bolt of lightning is damaging enough on its own. It can puncture a roof, sear the surrounding materials, and tear through attics. A powerful enough strike can tear off shingles and gutters, leaving the roof a disaster. If your home has experienced lightning damage, don't hesitate, call today for a free inspection!
Your home is one of your greatest assets. With this, the integrity of your roof is of great importance. While preventive measures are taken to ensure the most weather resistant roof possible during construction, severe weather does happen. Sometimes roofing systems suffer damage from hail, high winds, and other forms of extreme weather. This is one reason that insurance plays an important role in the roofing business. We are here to walk you through the insurance claims process and to help you have a better understanding of how everything works if a claim is to be filed due to damage if found.
WE HAVE YOUR HOME COVERED
FACTS ABOUT HAIL
According to the National Weather Service, hail results in roughly $1 billion in damages per year in the United States
If the roof on your home did incur damage by hail, the affected shingles will weather and erode much faster - shortening the life of your roof.
Hail damage to asphalt shingles includes severe granule loss, material removal at the edges of the shingles and penetration.
A home owner should have their roof re-inspected after the most extreme weather season after the initial storm to see if further damage has incurred such as bruising and granule loss.
There is a possibility that if hail damage goes unnoticed, over a 2-3 year period, your home may experience sever consequences including, water damage, mildew and rot, damage to walls, ceilings, insulation and electrical systems.
WHAT IS STORM DAMAGE?
Storm damage can occur at anytime in Urbana, Ohio due to unforeseen circumstances and events. The weather in the great lakes region can change at a drastic rate at any time and any moment. Mother Nature can produce strong winds, lightning, hail and even tornadoes. The harsh effects of weather can damage your roof, siding, gutters, patio covers, awnings, and many more features of your home. Storm damage can cause devastating effects on your home if gone unnoticed. If you believe you have any damage whatsoever please feel free to give us a call at 937.815.4612 and let us provide you with a free storm damage inspection.
HOW THE INSURANCE CLAIM PROCESS WORKS
STEP 1: DAMAGE INSPECTION
Call 937.815.4612 or contact Thrush & Son® of Urbana HERE for a free, no obligation storm damage inspection. The purpose for this inspection is to see whether or not you have storm damage and decide whether or not the damage warrants a claim.
If sufficient damage is found, we will recommend that you contact your insurance company to file a property claim and we will prepare a storm damage report/scope of loss on spot for you and your insurance provider.
STEP 2: INSURANCE INSPECTION
Your Thrush & Son® of Urbana representative will meet with your insurance companies adjuster at your home on the day of the inspection. We recommend that you have us at your home when the insurance adjuster arrives to make sure that both parties agree on the scope of damage.
Your Thrush & Son® of Urbana representative will walk your property thoroughly with your insurance adjuster during the inspection to ensure that the scope of property damage is agreed upon.
STEP 3: CONSTRUCTION (Once Approved)
You will receive an adjuster's report from your insurance company detailing the storm damage that was found at your home and how much they are willing to pay for the necessary repairs. Your Thrush & Son® of Urbana representative will review the estimate to see that the scope and price are adequate for the needed restoration of your property
With the adjuster's report, if approved, you will receive an initial payment. The initial payment may equate to roughly half for the allotted amount for the project. The amount being held back is called your recoverable depreciation. When your project is completed the recoverable depreciation is then released as a final payment. If the checks have your mortgage companies name listed, immediately contact your mortgage company to request endorsement. This process may take a few weeks.
If Thrush & Son® or Urbana feels that the proper repairs cannot be completed for the allotted amount of money, Thrush & Son® of Urbana will deal directly with your insurance company to explain how we arrived to our scope of loss. This is done to ensure that adequate funds are available for the necessary repairs to your home.
After the insurance company and Thrush & Son® or Urbana have settled on a price for your repairs, your representative will work with you to select the project materials/colors and set a date to begin the project.
STEP 4: PAYMENT
Upon completion of your project, your Thrush & Son® of Urbana representative will do a final walk through of your property and review the photo specs from the specific crew that was assigned to your home. Thrush & Son then requires that the homeowner release payment of the initial check that was issued to them from their insurance provider.
You are then required to notify your insurance provider that your repairs are complete; your Thrush & Son® or Urbana representative may assist you, if needed. At this time, any additional funds being held by your insurance provider will be released to you. When the final insurance payment is in your possession, Thrush & Son® of Urbana will arrange a time to collect the final payment.
During the close out appointment, your Thrush & Son® or Urbana representative will collect the final payment at this time and provide you with a final receipt.
INSURANCE CLAIM INFORMATION
If your property is damaged from a recent storm, you must first file a property claim with your homeowners’ insurance company to receive proper compensation. For your convenience, we have provided a list of several insurance companies that we work with. Click on your insurance company’s logo and it will take you to their claim form and instructions for filing. Thrush & Son® will work with ALL insurance companies, not just the ones listed here. If you don’t see your insurance company on this list, please contact us on how to proceed with your claim.
STORM DAMAGE IN URBANA, OHIO
Storms and the accompanying wind and hail can cause significant damage to your home. When hail hits the roof, the damage may not be immediately evident. However, the hail will leave a permanent blemish that will eventually develop into a leak. After a storm, our certified roofing specialists can inspect your roof before you file a claim with your insurance company. Thrush & Son®, LLC. offers storm damage repair in Urbana, Ohio and all of the Miami Valley. Call 937.815.4612 now for your free storm damage inspection!