Is Your Roof Ready For Hail Season?

Spring is finally here! In Colorado, that means that hail season is also upon us. Unfortunately, while hail can provide much-needed precipitation here in the midwest, major hailstorms can also be bad news for your Englewood roofing system. The impact of hailstones upon your roof can cause multiple types of damage, potentially requiring extensive repairs. 

While there will always be a risk of roof hail damage, there are multiple steps that you can take to reduce it. By preparing your roofing system for the hail season to come, you can protect it against serious damage so that your home remains in good condition. 

Preparing Your Home For a Hailstorm

There are multiple steps that you can take to reduce roof hail damage this spring. These steps include:

  • Schedule a roof inspection

If your roof has existing damage, it’s more susceptible to serious hail damage. So, contact your Englewood roofing company for a professional inspection. During the inspection, your inspector will thoroughly check the exterior and interior of your home for signs of roof damage. Damage won’t always be visible from your usual vantage point, so the inspection may reveal roofing problems that you didn’t know existed. Roofing professionals can also identify weak points that could soon lead to damage, In either case, the inspector can recommend solutions to ensure that your roof has the durability to withstand the Colorado hail season. 

  • Maintain your landscaping

If you have trees that hang over your roof, there’s no better time to trim them back than before hail season. Overhanging branches can snap and fall onto your roof, potentially leading to dented or missing shingles, scratches on the surface of your roof, or even a roof puncture. Tree damage is usually simple to avoid by keeping the trees on your property pruned. Additionally, if there’s a tree on your property that’s near the end of its lifespan, you should start to think about removing it. A dead tree poses a risk of falling onto your home and causing serious roof damage. 

  • Clean your gutters

If your gutters are clogged with leaves, twigs, pine needles, and other types of debris, they’re likely to overflow and leak during storms this spring. Leaky gutters present a large risk of water damage to your home, from trapping excess moisture in your roofing system to creating water stains in your siding. Water damage to your home’s foundation could even result from a severely leaky gutter. So, before hail season is in full swing, get your gutters thoroughly cleaned and repaired, if needed. This straightforward maintenance task will protect your home against water damage caused by a gutter leak. 

  • Ensure that you have adequate homeowner’s insurance

Especially here in Colorado, where hailstorms are common and often severe, it’s wise to have a homeowner’s insurance policy that covers damage caused by hail. Most homeowner’s insurance policies offer at least some coverage for hail damage to your home’s decks and windows. However, coverage for roof hail damage isn’t always a given. A higher deductible is often required for plans with coverage for hail and wind damage to your roof. This is one option, as is an insurance plan that offers more extensive coverage for your roof in particular. 

During and After a Hailstorm in Englewood

During a hailstorm, while there’s not much you can do to get your roof out of harm’s way, you can ensure that your family and pets are safe, as well as your vehicle. If a hailstorm is in the forecast, make sure to park your car in a garage or other form of covered parking. Any breakable items outside, such as potent plants and patio furniture, should be brought inside. 

When a storm strikes, first ensure that your family members and pets are safely inside, away from windows, skylights, and other areas with glass that could break under the impact of a hailstone. 

After the hailstorm has run its course, have your Englewood roofing company come check out your roof immediately. If you suspect that damage is present, you should also contact your insurance company ASAP. This will get the ball rolling on the claims process early, helping to secure the approval of your claim. 

For help with roof hail repairs or roof maintenance, contact RME today.

Denver Roofing Repair Testimonial

Customers Rejoice at RME’s Denver Roofing Repair

RME Roofing specializes in insurance claim repairs, roof repairs, leaky roofs and anything weather-related that applies to your home. We specialize in roofs, aluminum siding, gutter replacement and other specialized home repairs. RME Roofing has been servicing the Denver Roofing Repair business for many years, and strives to provide the highest-level of customer satisfaction available. RME services are available on a per-customer, needed basis. Not all projects require roof repair, or siding replacement. Please be sure to have an RME Roofing professional inspection done to your home to determine the amount of  damage that may have been done to your residence.

A video testimonial from another satisfied RME Roofing customer. We appreciate the Barclay Family for their time, kind words, and overall, just being a great American family who trusted us to strive for perfection.

Be sure to visit RME Roofing for all of your Denver Colorado Roofing repairs and replacement needs. You can solidify your decision by visiting us at Thumbtack and reading our outstanding reviews.


Hailstorm Wreaks Havoc, Millions in Damage

A quick story coming from the Colorado Springs Gazette
Kaitlin Durban, May 2017

Claims began rolling in almost immediately after what some have termed a “hail bomb,” which pelted the south and northeastern parts of the city with tennis-ball-sized hail. Windows of cars and homes were smashed, vehicle hoods were dimpled, roofs were beaten, less durable property was shredded, plants and trees were ripped apart.

The Rocky Mountain Insurance Information Association isn’t ready to release figures estimating how much the storm cost in damage – that could come next week – but they “know it will be a significant event,” spokeswoman Carole Walker said.

Companies are receiving a “flood of claims,” she said. While insurance companies designate “catastrophes” based on volume, the association gives the designation when weather events do more than $25 million in damage. That figure can be easy to reach in Colorado, which is ranked second behind Texas for hail damage claims nationwide, Walker said. Based on the number of claims the area’s top insurance companies have reported, Colorado Springs is earning the ranking.

USAA, which insures 11.5 million military members and their families nationwide, has processed 15,000 claims in Colorado Springs since Thursday, spokesman Richard Johnson said. Roughly 10,000 of them were auto claims, the rest by homeowners.


Insurance Claim Tips

Finding out that your roof needs to be replaced or repaired can be troubling for many homeowners. Dealing with an insurance claim, talking to adjusters and making sure you get reimbursed for all covered damages is a daunting process. Many homeowners are simply unsure about how to file a claim, where the process can be problematic, what types of documentation they need, or what to expect.
To a home insurance company, the roof is the most important part of your house. It’s the gateway to far greater damage claims once it’s damaged. In more than 90 percent of hail or high-wind claims, there is a payout relative to the roof cover, according to the Insurance Institute for Business and Home Safety. Insurance companies review roofing claims very carefully and they expect you to provide proper documentation and other information in order to process your claim.

What does your policy cover?

The easiest way to know what’s covered or what’s not, is to contact your insurance provider.

Some policies take the age of your roof into account at the time it is damaged. For example, if your roof is less than 10 years old, you may be covered for the full cost of repairing or replacing the damaged section of your roof at the time of the claim. If your roof is more than 10 years old, you may only be reimbursed for the depreciated value of the damaged roof. The depreciated value takes the aging and wearing of your roof into account, meaning its value has decreased prior to any damage occurring.

Some policies will only offer roof damage coverage up to the depreciated value, regardless of the age of your roof. Other policies will cover the full cost of repairing or replacing the damaged section of your roof at the time of the claim, regardless of the age of your roof. In most cases, your insurance company will send an inspector to your home to investigate and verify your claim. If the damage is determined to be from aging, wear and tear, or poor condition of your roof, it will typically be considered normal maintenance, and will not be covered under your policy.

Provide Documentation for Your Claim

To ease the experience of the claims process and to help you receive proper settlement for your loss, take a set of “before” photos of your roof and exterior property. Update the photos whenever you have maintenance or repairs done. After damage occurs, take a set of “after” photos. Document and record the damage as well as any estimates, invoices and bills you receive. Having all of this information on file will help ensure a smooth and hassle-free claims process.

Choose a Contractor with Insurance Claim Expertise

Before you can get work done on your roof that will be covered by insurance, you will need to get an estimate from a professional roofing contractor.  In most cases, you can use the roofing company of your choice. Your roofing contractor should be able to help you navigate your way through the roof insurance claims process. Some roofing companies employ Certified Public Adjusters who will deal with your insurance company on your behalf. Look for contractors with extensive experience in providing roof estimates for insurance claims and helping clients navigate the process of getting their roof repair or replacement covered by their insurance company.

The most important thing to remember is that, if you suspect your roof has been damaged, you shouldn’t wait to get it inspected by a roofer. Find out the extent of the damage as soon as possible. This will help expedite the process and also help you avoid further damages that might not be covered under your policy.