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At Reign Roofing, we’re more than a contractor who handles jobs like repairing shingles and installing new roofs and roofing accessories. We’re also experts when it comes to roof insurance claim assistance in Houston, TX. We’re experienced with working with insurance companies so that our clients will have the best chance of getting their claims approved. Our long background in the types of damage that roofing sustains in the local climate helps us help our clients.
Today, we’re going to go through the steps for handling an insurance claim for your roof after it’s sustained damage, including the places where we can assist you.
We’re the local pros when it comes to roofing repair in Sugar Land, TX because we know how our weather can specifically damage roofs. We have deep roots in the area and over sixty years of combined experience working with roof repair, roof replacement, and other services.
You’ll likely need to have repairs done to the roof over your head at some point. There are a range of repairs that you might need, and we’re going to look over the most common ones to help you understand what to look out for and what you might need from our team.
The roof over a house may seem like a part that will last for as long as the house does. But this isn’t true. Roofs have limited lives, and in most cases a roof will last for 16 to 18 years, even though they’re called “30-year roofs.” The lifespan of a roof can also drop because of serious damage from wind and hail, or because of lack of repairs that allowed water to seep into the roof underlayment.
A roof replacement in Katy, TX is a big job and not something you’ll want to undertake unless you need to. But when do you need to? We’re roofing professionals with many years of experience with repair and replacement, and we can shine some light on this topic to help you better understand when you need a new roof.
Damage from high winds is one of the most common types of roof damage to occur in the Richmond area. It’s one everyone at Reign Roofing understands—we’ve handled repairs to many wind-damaged roofs, including from full-blown hurricanes.
Along with fixing wind roof damage in Cypress, TX, we help many homeowners with their insurance claims for wind damage. We carefully inspect roofs to catalog damage from wind so that homeowners will get the best payment on their claims.
But looking for wind damage starts with you, the homeowner. You have to know when it’s time to call your insurance company and our team, after all. It’s also important to have any wind damage corrected fast, as it can leave your roof vulnerable to leaks and other problems.
So now that the storm is over, let’s go over how to check for wind damage to your roof.
If the roof of your house is damaged, you know it’s a major problem. What happens the next time it starts to rain? The troubles with a damaged roof go beyond water leaking during a storm.
With cracked or shattered shingles, the roofing structure of your house is exposed to the elements, which can lead to extensive damage that may require you to have to replace the whole roof.
Once you know you have a damaged roof, it’s necessary to have it repaired.
Before you go looking for a tall ladder and purchase supplies from a hardware or home goods store (roofing cement, roofing nails, new tiles, etc.), you need to ask yourself if you can handle this job on your own. If you’re honest, the answer is likely no.
At Reign Roofing, we do more than help our customers repair their roofs after they’ve sustained damage from high winds, hailstones, and other weather-related hazards.
We also help them with their insurance claims. Many home inspectors are unfamiliar with roof damage, often leading to them denying coverage because of this ignorance.
We can assist you through the process and work with the adjustor to identify the damage so you will have a much higher chance of getting a claim approved. We can also help with claim denials.
Providing this roof insurance claim assistance in Cypress, TX can relieve a great deal of stress from homeowners because it’s often a complex process that causes people anxiety—especially in the wake of their home suffering damage.
Below we’re going to go through what you need to do to start a roof damage insurance claim and how we can help. We want to take away as much of the burden from your shoulders as possible while helping get your claim approved.
It doesn’t take hurricane-force winds to do damage to shingle roofs. Even winds of 30 to 40 mph are enough to cause shingles to peel or tear loose, especially if the shingles are old or not specifically designed to withstand high winds.
You can imagine how much damage a Category 4 hurricane can do to a roof with winds blowing around 130 to 150 mph.
Many of our customers are interested in purchasing wind resistant shingles in Sugar Land, TX for their roofs. We’re going to look at wind-resistant shingles and what options are the best for protecting the valuable roof of your home.
At Reign Roofing, we provide more than installing and repairing roofs. We also work with important roof accessories such as gutters, air vents and air vent covers, plywood and underlayment, and even skylights.
Does your home have a skylight? You might not have thought about this particular accessory before, but there are many good reasons to consider having skylights in Richmond, TX.
Skylights won’t work for all homes, and they can have some drawbacks, but we think this is a home addition that’s worth investigating. Our team of roofing pros can answer any questions you have about skylights and what they can add to your home life.
Roof damage can be heartbreaking, but home insurance can be the needed compensation. When your roof is damaged, the next thing that comes to your mind is how to make a claim from your insurance provider.
However, as a homeowner, you want to know if your roof is covered by insurance, so you know what action to take next.
While home insurance policies differ, most insurance providers cover roof damage due to unforeseen events, such as wind, hail, and falling trees.
However, home insurance doesn’t cover roof leaks from aging wear and tear. Also, if your roof leaks due to a lack of maintenance, your insurance provider will decline your claim. It is part of your basic responsibility as a homeowner to maintain your roof and keep it in good condition.
What types of roof damage are covered by Home Insurance?
There could be a few categories this falls under: Hazard Insurance Deductible, Wind/Hail deductible, and/or Named Storm Deductible. Different Insurance companies offer various deductibles. Hazard deductible would cover such things as lightning, explosions, fire, and the occasional meteor hitting the roof. Wind/Hail would cover high winds and of course, hail damage, as it says. The named storm applies to named Hurricanes, Tropical Storms, and Depressions. Texas state law requires you to pay your deductible for each peril.
Roof Claims
Roof claims can fail even when your home insurance policy covers the damage. Disputes can occur when the roof leaks due to an insured event, but the insurer claims you played negligence in your roof maintenance.
For example, when high winds lift some shingles, but you don’t pay attention to the little signs that precede the event, your insurer may reject your claim.
Hence, it makes sense to maintain your roof and repair simple damage before it degenerates into bigger issues. This way, you can prove to your insurer that you played your part in ensuring the roof is in good condition.
It is also important to keep all receipts for repair and inform your insurance provider once your roof is damaged.
If your insurance rejects your claim and you are sure it is their obligation to fund the repair, you can proceed by pursuing the matter in a local court. However, you want to seek financial advice before proceeding, as you may be liable to some charges if the matter fails in court.
How to Locate a Roof Leak
Locating roof leaks helps prevent more severe damage. Locating and repairing roof leaks help prevent damage to other parts of the home and even your possessions. However, this can be tricky as roof leaks are not usually obvious.
Here are a few tips for locating leaks on your roof:
Look for stains: although roof leaks can be difficult to identify, some visible signs can point to a roof leak. Stains on the ceiling or walls can point to a leaking roof. While this might not show the exact point of the leak, the leak is not far from the spot.
Check for daylight: climb into the attic and look for daylight. Daylight coming through the roof into the attic means the roof is cracked somewhere. It’s not out of the norm to see daylight from roofing vents. However, these do need to be sealed properly. These tend to be the #1 source for water leaks.
Check for missing shingles: missing or lifted shingles are also an obvious sign of a roof leak.
If you notice any of these signs, it is best to call on a roofing contractor immediately for repair to prevent serious damage. Remember, repairing small roof damage will help ease your claim from your insurance provider when an unexpected event finally damages your roof.
About Reign Roofing
Reign Roofing is located in Richmond, TX. Our service areas include the Greater Houston Area, Austin, and San Antonio. We specialize in Roof Claims, Water Damage, Roof Leaks, Repairs, and Roof Replacements.
Signs of roof damage can be an eyesore, and often times, out of sight until you notice water damage in your home.
While you are bothered about the financial implications, you are also concerned about your family safety, or the inconvenience of an eventual roof leak. However, you are left with two options to fix your roof. Should I pay less to repair or get the whole roof replaced?
If you find yourself considering which option is best for your roof, this piece is for you.
Here are major factors that determine whether to replace or repair your roof:
How Old Is Your Roof?
The age of your roof is a crucial factor that determines whether to go for repair or replacement. If your roof has reached the end of its lifespan, it is best to go for a roof replacement. Statistics show that shingle roofs 16 years and older are 76% more prone to roof leaks. Here’s some major reasons why:
Over time, the roofing jack seals (holds vents on your roof) separate and let water in.
After 15 years, shingles in Texas suffer granule loss.
Shingles can lift from wind and rusty nails over time allowing water to seep in.
Older roofs are more prone to hail and heat damage, which could eventually turn into a leak.
If you don’t know how much time is left on your roof, inviting a qualified roofing contractor in your area will help examine your roof and tell you how much time you have left.
Roof Jack coming loose
The Severity of the Damage
Before you decide on a roof replacement or repair, consider the severity of the damage. Is the roof severely damaged, or only a few shingles are missing?
If the roof only has minor damage, a good roofing contractor like Reign Roofing in Richmond, Texas will help fix and restore your roof to it’s original condition.
How Long Are You Staying In Your Home?
Considering how much time is left to stay in your home is yet another factor to consider. A roof repair will make more sense if you are not in your forever home. But if you have no plan to leave the house anytime soon, you want to replace your roof.
Also, consider a roof replacement if you plan on selling your house. Since a new roof attracts more buyers, replacing a damaged roof will help boost your bargaining power to price your property higher. The cost of the roof also can be negotiated in a Real Estate transaction. We see buyers and sellers split the cost most of the time.
What is your budget?
One significant factor you don’t want to skip on your list when fixing your damaged roof is your budget. Ask yourself, how much do I budget for my roof?
Let’s face it; a roof replacement is not a joke. Depending on roof types, the average cost of a roof replacement in Texas is $6,000 and $20,000, while some roofs can cost as high as $30,000. On the other hand, a roof repair can cost as low as $150.
Hence, if your roof only has minor damages with previous minor repairs and you are on a low budget, it makes sense to repair it.
If there’s a recent hail storm, your Insurance company may pay for your new roof, subject to your Home Insurance deductible.
We’ll give you an honest opinion.
Choosing between a roof replacement and repair can be an uphill battle, but considering the necessary factors will help you make the right choice. Factors like the roof’s age, budget, and damage’s severity are crucial to making the best decision.
However, whether you are replacing or repairing your roof, choosing an experienced roofing contractor is important. Hiring a reputable, experienced roofer means trusting your roof in the right hands. This is where Reign Roof comes in for homes and businesses in Texas.
Contact us today for a free quote on your roof repair or replacement in Houston, Richmond, Sugar Land, Katy, The Woodlands, Pearland, Spring, and Tomball Texas.
