STORM DAMAGE & INSURANCE

Storm Damage & Insurance

Storm Damage Roof Repair 

It’s important to have roof damage repaired as quickly as possible, before the damage worsens or becomes more costly. KAAL Construction Inc can repair storm damage of all magnitudes, including leaks, missing shingles, and hail damage. Although hail might look small, it can do significant damage to a roof and more of your property. For one, it decreases the roof’s life expectancy. Damage to an asphalt shingle roof occurs when the protective granular surface of an asphalt shingle loosens and falls off. With the granules removed, the shingle loses some of its protection, shortening the life span of the roof and making it more susceptible to additional damage.

If you have roof damage, including hail damage, call on us to work with a certified roofing repair contractor. We can assist you through the insurance claims process and provide the proper repairs and restorations to your roof and home. Please contact us today for a free estimate and storm damage evaluation.
Call on us for the following: 
  • Hail Damage
  • Roof Damage
  • Shingle Damage
  • Siding Damage
  • Tornado Damage
  • Wind Damage

Insurance Claims Process

Most insurance providers consider roof damage from wind and rain to be caused by natural disasters. Therefore, your roof repair claim won't cause your insurance rates to increase in the future. KAAL Construction Inc will work with you step-by-step throughout the insurance claim process.

Please provide us with a copy of your insurance adjuster's report. We will review it to ensure all damage has been properly evaluated. We will then develop a roofing contract according to what your insurance company will cover. We will also recommend additional repair services if deemed necessary. The signed contract is sent to your insurance provider for approval. Additional forms will be required if there is a mortgage on your home.
Storm Damage FAQs

Q: My roof doesn't look bad. How do I know if there's a problem?

A: Roof damage can be subtle and difficult to detect. A specially trained inspector or insurance adjuster will need to examine the roof to find any underlying structural damage.

Q: My roof isn't missing any shingles. Does that mean there's no damage?

A: Intense rain and hail can cause slight movements to shingles, allowing water to seep in and cause damage, even if no shingles are lost.

Q: My roof was inspected, and it only sustained minimal damage. Do I still need to file a claim?

A: Any weather damage caused to your roof constitutes a valid claim. Remember, even a small leak now can cause insidious structural damage over time. It's important to have your roof inspected, then file a claim.

Q: Could my insurance company cancel my policy if I file a claim?

A: Most states have laws in place to prohibit insurance providers from canceling your policy. Be sure to read your state's individual laws for specific information.

Q: Won't my insurance company raise my rates if I file a claim?

A: A major disaster is likely to raise everyone's insurance rates across the board, regardless of the insurance provider, and regardless of whether you filed a claim. When insurance rates rise after severe weather, you are effectively helping to pay for everyone else's damage but your own if you don't file a claim.

Roof Repair Claim Resources 
Hail Damage

While most hail is too small to damage your roof, severe weather may occasionally cause large hail to form. Hail can cause weak spots and leaks to form on your roof. This type of damage is usually covered by your insurance provider.
Deductibles

You are required by law to pay your insurance policy's deductible in the event of a roof damage claim. However, KAAL Construction Inc does offer occasional rebates which may be used to offset the cost of your deductible.
Depreciation

Sometimes your insurance company will temporarily withhold funds to ensure that your roof repairs are made in a timely fashion and to ensure that the homeowner pays his or her deductible in full. This is a common practice by insurance companies, who prefer to adjust their payout based on the final roof repair costs.
Multiple Estimates

While it's always a great idea to seek more than one roof repair estimate, the most important factor is ensuring that the estimated service cost is less than or equal to what your insurance provider will pay. At KAAL Construction Inc, we recommend choosing a contractor whom you trust to do the most professional and accurate work.
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