1. How do I know if I have hail damage?

The first place to look is the metal products that are on your roof (Wind turbines, metal caps, etc). If they have noticeable dents in them, the shingles probably do also. Look in your gutters to see if the gritty granules on the face of the shingles have been knocked off and collected in the gutters. Look at your window screens skylights to see if they have been damaged. If branches and leaves have been broken from trees, damage has also occurred to your roof.

2. What is the first thing I should do if I believe I have damage?

Call a local roofing contractor to set up an appointment to come out and take a look at your roof to determine if there is damage.

3. Should I contact my insurance agent?

Only call your agent after you’ve had a roofing contractor come out to verify damage has occurred.

4. Will my insurance premiums go up if I have a roofing claim?

The insurance companies can not raise premiums on an individual homeowner basis. If an area (zip code, county, town) gets hit hard with a hail storm or wind storm, the insurance companies may raise the premiums of that area, but never on an individual basis. Dallas, Tarrant, Denton, and Collin Counties have higher insurance rates than other parts of Texas due to the occurrence of damaging seasonal weather.

5. How do I choose a roofing contractor?

First and foremost, choose one that is local. There are many “storm-chasers.” These are out of town roofing companies that will inundate an area that has been hit with a hailstorm. Beware of these contractors. They are out for the quick money and then will leave town, never to be heard from again. Then YOU are stuck if any problems occur with no one to call.

6. What is the insurance process if the roofing contractor tells me I have damage and need a new roof?

Your first step is to call your insurance agent and request an adjuster to come out to assess the damage you have to your property. Not just your roof, but your gutters, fence, outdoor furniture, window screens, and A/C unit(s), pool equipment, and pool furniture for any damage. The adjuster will explain the claims process to you and will let you know when you can expect your money and how much it will be. I, (Maury Buford), am a licensed insurance adjuster for the State of Texas, and will be able to answer any questions you may have pertaining to the process. We will help mediate your claim by working with your insurance adjuster on your behalf.

7. What if the job is quoted more than what the insurance is paying me?

If it is appropriate, the roofing company can and should “supplement” (add to) the initial insurance claim if there is a big discrepancy in the quote to have the work done, and what the insurance company is paying.

8. Do I have a choice of roofing materials?

Absolutely. We represent many roofing manufacturers and can give you many options on material and color.

9. Do we offer Class IV Impact Resistant roofing materials?

Yes we do. And remember that most insurance companies will give you a discount on your insurance premiums of up to 30% for using this material.

10. Are you able to give me ideas on how to better ventilate my attic space?

Yes we can, and we look at it as our responsibility to educate you on proper attic ventilation options.

11. Should I ever give money to any contractor up front?

Only in rare occasions should a contractor ask you for any money up front. If special order, non-returnable materials are ordered for your roof, if your insurance does not cover your repairs, or if you have questionable credit; these are the only 3 situations. Any reputable roofing company will finance their own jobs.

If you have any questions that were not covered in this Q&A section, please feel free to send an email to us, and we’ll answer you back in a timely manner.