JA Blog

OH, HAIL NO!

According to reports released by Travelers Companies Inc., the 5 most common causes of home insurance claims from 2009-2015 were:

Travelers also noted the leading cause of claims in the South were from wind damage, while the South’s costliest claims were for hail damage. If you have recently experienced a hail storm and believe your roof might need repairs, contact JA Contractors for an evaluation.

Hail damage mostly cosmetic, but it can shorten the life of your roof if it is severe enough. Depending on the severity of the damage, your insurance company may only pay a portion of the total value of the roof repairs. To learn more about the insurance claim process, see our blog on “Insurance Claims”.

 

HAIL DAMAGE ON ASPHALT SHINGLES

  • Dark spots on the single’s surface, which are indicative of hail impact. These are easier to detect on lighter colored shingles but aren’t always obvious on darker colors.
  • Visible pitting. Hail pits will correspond with the dark spots and is visible no matter what color shingles you have. When touched, pits feel like a soft bruise on an apple.

 

HAIL DAMAGE ON WOOD ROOFS

  • Hail stones don’t significantly impact sound shingles, but curled or warped shingles are more likely to be split by hail impact.
  • Edgegrain shingles aren’t as likely to split from hail damage as flatgrain or slashgrain because they don’t warp as easily.
  • When a hail split occurs, the color of fresh wood can be seen throughout the split. Applying thumb pressure to the split will cause it to open, revealing the fresh wood.
  • Punctured shingles are easier to detect as they will have rounded depressions that expose the fresh wood color beneath.

It is important to have roof damaged assessed as soon as possible after a storm, especially wood roofs. Impact marks will fade and wood fibers will recover making it difficult to determine the cause of splits.

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ROOF DAMANGE & REPAIRS

JA Contractors not only provides re-roofing services, but roof repairs as well. No job is too big or too small for our team of roofing specialists. We will work quickly to assess damages and implement repairs to ensure your home or business is back in working order as soon as possible. We will make every effort to match current shingle or tile colors, so your repair looks seamless. It’s important to be able to identify small roof problems before they become big problems. If you notice any of the issues below on your roof, call us today for a free inspection.

 

Shingle Repairs

  • Inside ceiling spots
  • Missing Granules
  • Algae Growth
  • Missing or Torn Shingles
  • Flapping Shingles
  • Rotting
  • Blistering
  • Buckling (ridges appear along the flat area of the roof)
  • Curling (tabs are either curled up or down)

 

Slate & Tile Repairs

  • Cracked Slate
  • Loose Slate
  • Broken Slate
  • Missing Slate

 

Wood Shake Repairs

  • Split Shake
  • Loose Shake
  • Missing Shake
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INSURANCE CLAIMS

CONTACT A QUALIFIED CONTRACTOR

The first step in a roof insurance claim is choosing a contractor who is licensed and insured to evaluate your roof’s damage and provide you with a repair estimate. You can easily verify a contractors license by searching South Carolina’s license verification portal. Qualified licensees can be found under Contractors-Commercial or Residential Builders. Your contractor should be able to provide you with their certificate of insurance, which should include both General Liability and Workman’s Compensation insurance. A building permit and business license may also be required, depending on the laws in the municipality and county where the work is performed.

 

FILE A CLAIM WITH YOUR INSURANCE AGENT

After you have received an estimate from JA Contractors, you will need to contact your insurance agent or company to file a claim. Your insurance provider will issue you a claim number. Your claim number is very important; all subsequent contact with your insurance company will require your claim number for confirmation.

 

SCHEDULE AN APPOINTMENT WITH THE INSURANCE ADJUSTER

Your insurance company will have an adjuster review the damage to your home in addition to JA Contractors evaluation. You should be home during the adjuster’s inspection. To provide a thorough inspection of the damage, the adjuster must get on your roof; be sure they do so. Before the adjuster leaves, ask when and how you will receive your loss summary report.

 

NEGOTIATING REPLACEMENT COST DIFFERENCES

The estimate from JA Contractors and the loss summary report from your insurance adjuster will differ. You will need to send a copy of your loss summary report to one of our project managers, and we will negotiate with your insurance company until an agreement is reached. Once an agreement has been reached for the Replacement Cost Value (RCV), your insurance company will cut you a check for the Actual Cost Value (ACV). This figure is calculated by subtracting depreciation from the RCV. Upon completion of the project, JA Contractors will provide the owner with a Certificate of Completion as well as a Workmanship Warranty. The owner will need to forward a copy of these documents to their insurance provider. Once the insurance provider has verified JA Contractors work, they will send a payment for the Actual Cost Value (ACV) directly to the owner. The owner will be responsible for paying JA Contractors.

 

SCHEDULING PRODUCTION

Within three to five days of acceptance of our estimate, a JA Contractors project manager will contact you to confirm your shingle color, any upgrade options, and a production start date. It is very important that we receive a final confirmation of your shingle color a minimum of two weeks prior to the commencement of production to ensure timely delivery of materials and proper scheduling of workers.

 

PRODUCTION

Unless your roof is unusually large, JA Contractors can complete a roof tear off and replacement, from start to finish, in less than two days. Our highly skilled roofing specialists can hand nail between 25-40 squares per day.

 

PAYMENT

JA Contractors never requests an upfront deposit. Rather, payment in full is due upon delivery of product and or service.

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INSIST ON A PRO!

All roofing contractors are not alike, and the National Roofing Contractors Association (NRCA) recommends you prequalify roofing contractors to get the job done right the first time. The following guidelines will help in your decision:

JA Contractor’s licenses, insurance & certifications can be found here.

  • Check for a permanent place of business, telephone number, tax identification number, and, where required, a business license.
  • Insist on seeing copies of the contractor’s liability insurance coverage and worker’s compensation certificates. Make sure the coverages are in effect through the duration of the job. (Note: U.S. worker’s compensation laws vary by state.
  • Look for a company with a proven track record that readily offers client references and a list of completed projects. Call these clients to find out whether they were satisfied.
  • Check to see whether the contractor is properly licensed and/or bonded. Tennessee’s Contractor Licensing Board’s website provides information on license requirements as well as a “License Lookup” link.
  • Insist on a written proposal and examine it for complete descriptions of the work and specifications, including approximate starting and completion dates and payment procedures.
  • Check to see whether the contractor is a member of any local, state, regional, or national roofing industry associations, such as NRCA.
  • Call your local Better Business Bureau to check for any complaints that have been filed.
  • Have the contractor explain his or her project supervision and quality-control procedures. Request the name of the person who will be in charge, how many workers will be required and the estimated time of completion.
  • Carefully read and understand any roofing warranty offered and watch for provisions that would void it. Keep a healthy skepticism about the lowest bid. If it sounds too good to be true, it probably is. Remember, price is only one criterion for selecting a roofing contractor. Professionalism and quality workmanship also should weigh heavily on your decision.
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