Determine Your Loss

The critical first step is to determine the extent of your loss. In many cases you may not know what to look for as some of the most costly repairs often result from damage that is not apparent. Our trained specialists can assist with determining the extent of your loss. Most insurance companies require a certain amount of damage to qualify for replacement or repair. Knowing what these requirements are. Understanding how the insurance company works set us apart from most other companies.

In most cases your roof is the most costly of the repairs to your home after a Wind Storm. Damage cannot always be seen from the ground. In a lot of cases the shingles will detach from the seal strip and lie back down but never reseal to the manufacturer specs. This could cause a problem in the future if ice or water gets behind the shingle and can cause costly interior repairs. H & R can verify what needs repaired or if the roofing or other materials will need to be replaced and also guide you through the insurance process to get the repairs complete.

The first step to determine the loss is to document all damages. At H & R we do a complete evaluation of the property including taking photos, and video of the roof, siding, gutter, all elevations, and personal property that has been damaged from the storm. Most insurance and engineering companies allow a test square on the roof and this determines the amount of damage and if the roof is repairable or if replacement is warranted. The test square is a 10ft x 10ft area and then the number of loose or broken shingles is then marked in the test area. At this time we will look at the condition of the shingles and deem if the roofing can be repaired or if replacement is warranted.

Many factors play into how much damage a roof has:

• Age of the roof
• Direction the storm came from and the way the roof slope faces
• Trees and other buildings that may block the wind
• How Steep the Roof is
• Type of shingle and thickness of the shingle