Storm Damage:   Homeowners Insurance Guide   Hail Damage:    Anytime there is hail or high winds you should have the exterior of your home inspected as a precaution.   Hail can damage your shingles, siding, or gutters without any visible signs from the ground.  Hail normally needs to be at least the size of a golf ball before it will break through your shingle and cause bruising.   If driven by high winds or if it hails for more than a few minutes, your roof will suffer from loss of protective granules.  This will greatly reduce the life of your roof.  Siding, gutters and fascia can be dented by hail.  Frequently this damage is difficult to see until the light is right.   Some Ways Shingles Can Be Damaged   High Winds   Over 50 miles per hour can lift the shingle and cause seals to break, never to be resealed.  The unsealed shingles will then flap in the breeze and soon snap off.   Hail Loss of granule layer on the shingle will cause the organic-based center of the shingle to be exposed to the sun’s UV rays.  This will cause serious deterioration of the shingle in a short period.  Furthermore, hail can actually puncture or seriously damage your roof.   Ventilation Improper or inadequate ventilation in your attic will cause the shingles to scorch and bubble up causing a serious problem.   An inspection by a trained technician can verify the extent of the damage and outline a plan for proper repair.   Let us help make your storm damage claim less intimidating and ensure you receive the best results.     If You Think Your Property Is Damaged             Call American Roofing & Exteriors for assistance. One of our specialists will meet with you to assess your property. If damage is found. We will inform you to call your insurance company. Provide initial assessment estimate. We will provide you and your insurance company with an initial assessment and estimate of damages. Getting through the process. We will work with you and your insurance company throughout the entire process.   The Inspection   We will inspect your property for visible signs of damage.  Documented by photographs. o   Test areas A (10’x10’) “test area” will be measured on every slope of the roof.  If we find a          sufficient amount of bruises or breaks for each “test square”, the insurance company will pay for a new roof less your deductible.  If gutters, siding, brick, etc. are dented, you will be paid for a replacement “of like or kind quality.”     Contractor Representation   You are entitled to have the contractor of your choice represent you.  We will represent you during the inspection process.  First, we will meet with you to determine the extent of the damage, and then we will meet with your adjuster to determine all other aspects.  In most cases, the most you will pay out-of pocket is your deductible.  Most discrepancies occur when the adjuster has not assessed the same amount or type of damage as the contractor.  Whether it’s for the roof, gutters, siding, or other exterior damage, we work with the adjuster in finalizing the coast of the repairs and getting your claim paid.                         How Insurance Companies Pay Claims You should receive the first check about a week after the adjuster has estimated your damage.  This check represents the actual cost to repair or replace the damaged property, less depreciation and you’re deductible.  The age and condition of the property is taken into account when calculating depreciation.  The depreciation amount will be paid when work is completed and an invoice is sent to the insurance company.   Mortgage Companies   If you are carrying a mortgage on your home, the first check you receive from your insurance company should be made out to you and your mortgage company.  The check along with required documents of your mortgage company must be satisfied to clear your check.  We assist you with this process, or if desired, complete it for you.             Why is American the right choice?             All of our staff is specifically trained with storm damage claims and will provide you with the best representation possible.  We have many crews, each excelling in the proper training in their own field.   We are members of the National Roofing Contractors Association, a preferred Contractor for manufactures such as Owens Corning and CertainTeed, and we have been awarded Shingle Master Crew Status by employing a master Roofer Applicator-qualified workforce.  GAF Master Roofing Contractor, Elk Everest Performance Contractor.  Triage Management Services Contractor of the year.               The Roofing Process   We install per the National Roofing Contractors Association and manufactures guidelines.  We strip off the old shingles and check for any bad decking or chimney flashing.  We apply felt, ice and water shield; re-roof using four (4) nails per shingle, no staples.   · We will treat you home like it was ours. ·  We will clean up and haul away trash including picking up nails with a magnet. · The installation process is wrapped up after our trained quality control inspector completes a thorough inspection on all work completed and you we leave you as a satisfied customer.   (800) ROOF 161 Corporate Office: Missouri (636) 464-7663 Kansas City, MO (816) 734-7663 Dallas, TX (214) 368-7663 El Paso, TX (915) 587-7663 Houston, TX ( 281) 895-7663 CUSTOMER SERVICE IS OUR #1 GOAL!!