Saturday, July 30, 2011
You have likely experienced this weather menace for yourself if you have spent any length of time in the Dallas, Ft Worth area. Hail damage is caused by a weather phenomenon of upward drafting winds that send moisture into the upper levels of the atmosphere. The more times precipitation is cycled from lower levels to upper levels – the more this is repeated – the larger a hail sample will be. Hail may happen in several instances throughout the rainy season, and it only takes one squarely-landed chunk of ice to compromise your roof’s (and therefore your property’s) weatherproofing.Protection from weather and hail damage on your property starts from the top down. Additionally, your roofing system is only as good as its weakest area because once a breach is established moisture can find its way into parts of your property where it should not exist. Let’s take the case of your home – though we service all types of roofs, hail is often a problem throughout residential areas and carries with it these liabilities, including:
Roof leaks … There are record samples of hail exceeding the girth of a softball! However, a much more modestly- sized example may ignite hail damage. It may be the width of a quarter or smaller, traveling from the top of cumulous cloud and smacking on an asphalt tile at speeds in excess of 200 miles per hour, rapidly accelerating the deterioration process. Unexpected water may soon find its way into your interior walls and affect electrical components as well as furniture.
Windows … We not only have plenty of experience troubleshooting and preventing interior havoc after a hail storm on roofs, but we also fix peripheral hail damage. That includes windows, which are particularly vulnerable when solid objects fall from the sky. More features throughout your property at risk typically include:
Furniture (such as outdoor patio goods)
- With our many years of experience, we know very well that a roof is not only an entire system demanding the full harmonization of all of its various parts; it is also part of the overall structure of a building. Because we are so adept at fixing hail damage on rooftops throughout the area, we have also grown strong in our repair and renovation work for those other areas of a property affected by hail. We are highly skilled in general construction work, offering the same principles of quality craftsmanship, attention to detail and a great value applies to the work. We are a team of professionals carrying plenty of seasoned experience and the most training and certification, and we are particularly familiar with issues pertaining to properties in North Texas and the conditions they must endure.
After the recent band of hurricanes, many homes have suffered untold amounts of damage that will no doubt take months to repair. To be certain that your home will be protected in the event of future storm damage you need to get a homeowner's insurance policy that offers full coverage. It's best to choose an agency that will work directly with you to find a plan that fits your specific needs. In the North Dallas, Plano and Frisco areas, Tri-Star Insurance Professionals Inc. works as an independent agency to find you the best plan for the best price. If you are concerned about how to file a storm damage claim with your insurance company, there are certain steps you can take before filing the claim to make the process easier on both you and your agency.
Make a phone call: As insurance policies usually place a time limit on filing claims, you need to phone your agent immediately to find out what that limit is and what needs to be done before filing the claim. Ask questions pertaining to the amount of coverage on your policy and whether or not you will need to obtain estimates for repairs to structural damage, which is also a great way to find out if your claim exceeds your deductible.
Report any crimes: If your damaged home as been vandalized in any way report it to the authorities immediately. Get a copy of the police report as well.
Do-it-yourself repairs: You can be proactive by making temporary repairs to protect your property from further damage. Remember to save receipts for money spent and submit them to your insurance agency for possible reimbursement.
Inventory damaged goods: In order to substantiate your loss, avoid trashing damaged items until an inspector has paid you a visit. Create an inventory of all household items if possible. Photographing the damage is a smart way to retain evidence.
Obtain claim forms: After you have notified your insurance agency about your claim, make sure they send you the necessary claim forms before your time limit has run out. Quickly return the filled out forms in order to avoid delays.
Get an inspector: As it is very important to have a professional examine your home for damage, your insurance company will most likely arrange for an adjuster to look over your property.
Relocate with receipts: If your home is so damaged that you need to find a place to stay while repairs are being done, keep a tab of any additional expenses you accrue while living elsewhere. Almost all homeowner’s insurance policies have coverage for the “loss of use” of your residence.
After you and your insurance agency see eye to eye on the terms of your settlement, you should be sent payment promptly.