Denver Colorado and the front range have been hit with several class 4 & 5 hailstorms this year.
Denver Colorado and the front range have been hit with several class 4 & 5 hailstorms this year.
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.
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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.
Tuesday May 16, 2017 / InDenver Times
The cleanup process began Tuesday morning for towns around the Denver area, after a violent hail storm hit the area on Monday. Initially moving from the southwest and dumping heavy snow on Telluride and Crested Butte, the storm system began dropping large chunks of hail as it made its way over Centennial and and Highlands Ranch. Northglenn, Thornton, and Aurora were all hit hard by hail from the storm.
Homes and businesses throughout the area saw extensive damage from the storm. The ice destroyed many roofs and other housing structures, leaving holes for water to seep in through. One restaurant on Arapahoe Road had buckets placed throughout to collect water coming in through its hail-damaged roof.
Auto dealerships along Arapahoe Road were left with millions of dollars in damage after cars in their lots took a beating from the storm. One auto dealer said that over 850 new and pre-owned vehicles had extensive damage to them. Most cars take around two years to depreciate 20-30% in value. For cars in the Denver metro area on Monday, it took one afternoon.
Outside of dealerships, hail-stricken cars lined the streets with cracked windshield and mirrors, leaving car insurance companies with a lot of work in the following days.
For those making car insurance claims, insurance professionals advise photographing damage to keep a record. Cars are only covered for hail damage if the owner purchased a comprehensive insurance policy. If they did, they will still have to pay the deductible. If damage is minor, insurance experts don’t recommend making a claim, as the cost of minor repairs for hail-damaged vehicles is usually less than the amount of the deductible.
Although many property owners and businesses were hit hard by the flash hail storm, some are trying to make the best of a bad situation. Groove Ford and Mazda is offering major price discounts on its hail-damaged vehicles. Car buyers can get as much as $18,000 off cars that were affected by the storm.
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.
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.
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.
Voted Colorado’s Number One Metal Roofer from Thumbtack for the year 2015. Thanks to all of our fantastic customer reviews and positive feedback on Thumbtack.com for making this happen. At RME Roofing we enjoy providing our customers with an excellent final product for a fair price. A lot of roofers have tarnished the reputation of this industry but here at RME Roofing we enjoy restoring the faith one customer at a time.
RME specializes in metal roofing supplies and techniques most commonly found in harsh climates such as the surrounding communities of Denver, Colorado. The harsh winters and fairly wet spring and summers cause most home owners to seek out a metal roof to replace their shingle, or slate roof.
Pros and Cons of Metal Roofing Systems
1. Metal roofs can be made from a variety of metals and alloys including Galvanized steel — hot-dip zinc galvanized G-90 and G-60 steel (a less expensive, thinner-gauge steel, often used in low-end, lower-cost corrugated and ribbed metal panels), Galvalume steel — zinc and aluminum coated steel (A more expensive and longer lasting coating compared to G-90 steel.), stone-coated steel (G-90 galvanized steel), aluminum, copper, zinc, terne (zinc-tin alloy), and stainless steel.
2. The downside of galvanized steel (G-90, and especially G-60) is that it can corrode, eventually, especially when exposed to moist, salt-spray environment such as in close proximity to the ocean and coastal areas.
3. Steel is the most frequently used material in both residential and commercial applications, mainly due to its lower cost.
4. Aluminum is the second most popular material. It is more durable and longer lasting than steel, but only costs a fraction of the price of premium metals, such as copper or zinc.
5. Aluminum is also one of the best metals to use for roofs located in coastal areas (think those beach homes), where there is a heavy presence of salt spray in the environment.
6. Copper roofs are the most durable and can last for hundreds of years. However, due to prohibitively high cost, few people choose to install an entire roof made from copper. Instead, home and business owners choose copper for architectural details/accents on the roof (bay windows, towers, porches, low slope roof sections, Et cetera).
Cost of Materials
7. A typical cost for a steel standing seam roof starts around $300 per square (100 square feet) for a typical order. Stone-coated steel starts at $350-425 per square. Steel shingles run about $270 per square of materials.
8. Aluminum is a step up from steel in terms of quality, and therefore in price, costing about $100 more per square than galvanized steel, for both standing seam and metal shingles.
9. The most expensive and premium metals are copper and zinc. They cost roughly the same. Copper is typically installed as copper pans or standing seam panels costing $900-1,400 per square. for materials alone.
10. Steel roofs need to be coated with a special protective (galvanic) coating to prevent corrosion. – Galvanized and Galvalume steel roofing systems are pre-coated by the manufacturer and do not require any further coating.
11. Aluminum, copper and zinc roofs do not need to be coated.
12. High-end Aluminum and steel roofing systems like standing seam and metal shingles will usually have a high-quality paint finish such as Kynar 500 applied, while lower-end corrugated steel roofs are usually finished with Acrylic paint.
13. It is typically possible to install a metal roof over an old roof, thus eliminating the extra cost and hassle associated with the shingle tear-off (be sure to consult your contractor about the possibility of “over-top” installation for your specific roof). — This is generally possible because metal is an extremely light-weight material.
14. Metal roofs should only be installed by specialists with expertise and ample experience in installing metal roofing, because if the installation is done incorrectly a metal roof will develop leaks (or outright fail prematurely as in the worst case scenario), which may later end-up costing thousands of dollars to repair or replace.
15. Unlike many other roofing materials, a metal roof can easily be installed in the winter.
16. The cost of installation for metal shingles is about 20% cheaper than the cost of installing standing seam, because metal shingles are easier and faster to install.
17. Most metal roofing systems should be installed on homes or buildings that have a minimum slope of 3:12 or greater. Although there are certain types of standing seam metal roofing systems that can be installed on roofs with slopes of 2:12 and lower, those types of systems are usually only installed on commercial or industrial buildings.
18. Ideally, standing seam should not be installed over asphalt shingles due to telegraphing of the shingles underneath the standing seam panels.
19. Further, when snow piles up on a standing seam roof that was installed over an asphalt roof, the shingles will likely make horizontal dents in the metal panels. Also, metal roofs tend to expand and contract due to temperature changes, and can thus rub against the stone coating on asphalt shingles. – This could eventually cause some corrosion and rusting on the underside of metal panels.
20. Standing seam roofs can be manufactured either on-site or in the factory, which simplifies the installation process. Metal shingles are typically manufactured at a factory, and can be shipped in standard cardboard boxes directly to your house or work-site.
Cost of Installation
21. Metal roofing installation is more expensive compared to other roofing systems, because it requires specialized training, knowledge, tools and equipment that general roofing contractors typically lack.
22. The cost of installation greatly depends on the complexity of the roof and the type of material/system installed.
23. The base price to install a corrugated steel roofing system starts at around $350 per square. for materials and labor.
24. The base price for metal shingles ranges between $700-1,000 per sq. for materials and labor.
25. The base price for a stone coated steel roof starts at $850-1,100 per sq. for materials and labor.
26. The base price for a standing seam roof ranges between $750-1,400 per sq. for materials and labor.
27. The base price to install a copper or zinc roof starts at $1,800 per sq. for materials and labor.
28. If a tear off is necessary, it is normally a separate cost of about $100-150 per square.
Sometimes it is easy to know a roof is damaged because there is a leak or missing shingles. But often times the damage can only be detected by a professional inspector. If you think you have hail damage, the first step is to record the time of the hail storm and the reported size of the hail stones. Pictures are great evidence and usually storms with hail are widely reported by the news and other media outlets. Most Colorado roof damage is the direct result of some type of hail, ice, snow or frozen object. An object that is hard.
A good step is to contact RME for a professional inspection. Each type of roof has unique signs of hail damage that our team is trained to see. We will come inspect your roof and write a detailed description of the damage, complete with pictures. Our inspection will include damage to flashing, drains, and other areas of your roof that might need repaired.
Following the inspection we recommend you contact your insurance and request that an adjuster visit your house. Colorado roof damage is one of the leading reasons for insurance claims on residential properties. Having a roof inspection and estimate will make the process easier for you and faster to file a claim.
If you are wondering how long you have to file a hail damage claim on your roof in the state of Colorado, the answer is most insurance companies recommend filing within a year. To be sure about the time you have, it is always best to review your policy. Rocky Mountain Enterprises is here to assist you in fighting for the best possible solution to fixing your damaged roof.
While you might have a year to file a claim, we recommend you file a claim as soon as possible after the hail storm. That way you avoid further damage to your house from possible leaks. If you are wondering if you have roof damage from last spring’s storms, contact us today and schedule your roof inspection.
Identifying Colorado roof damage from hail on your belongings, such as patio furniture or your car, is relatively straightforward. The round dings in metal are obvious signs of hail damage. However, determining whether your roof has sustained damage from a hailstorm may be a little more difficult. It’s important to keep your roof in top condition to avoid structural deterioration that may cause leaks. Many insurance companies will consider paying for a roof that has been damaged by hail, but it must be correctly assessed. Insurance adjusters will require the opinion of a professional roofing contractor before they will consent to the work being done, but you can also check for hail damage yourself before calling a roofer by following these tips.
This story about recent Colorado tornadoes was published in USA Today on May 8, 2016
Tornadoes hit Colorado Saturday, damaging property but causing no fatalities. There were 15 reports of tornadoes, according to the Storm Prediction Center. More storms are forecast to batter the Plains on Sunday and Monday. One twister injured five people in Wray, Colo.
Several trailers were also toppled near Wiggins, Colorado, on Saturday afternoon after the National Weather Service confirmed that a tornado had touched down in the area.
“We had no idea it was a tornado,” said Jeanne Welham. “We prayed and we were grateful that the weather was not so good this weekend, because I’m afraid that if everybody would have been here lives would’ve been lost.”
Two people died and six others were injured in a series of weather-related traffic crashes in northern Arizona Saturday, the Associated Press reported.
Around 10 a.m., there was a vehicle roll-over due to tornadoes and hail on Interstate 40 near the community of Ash Fork. Two people tried to help the occupants and were struck and killed by a commercial vehicle.
The same system that triggered storms in Colorado on Saturday will move into the central and southern Plains on Sunday. The area is at risk for severe thunderstorms and tornadoes and will be move into Nebraska and into central Texas.
Cities where storms are most likely include Topeka, Kan., Oklahoma City, and Kansas City, Mo.The severe weather threat zone Monday will be in Missouri, Arkansas, Louisiana and eastern Texas.
Colorado tornadoes are dangerous and can cause severe property damage in a short amount of time. If you feel as though your property has suffered tornado damage recently, please be sure to call RME and contact us immediately for a free, no-obligation inspection.
RME has determined that a recent storm has soaked the section of Darrin’s neighborhood and we will be visiting local residents to determine the excessive damage that might be unseen to the average eye. Please be sure to be on the lookout for the RME storm task force. Visit us online to read more.