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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.
Not just a roofing company, Reign Roofing, based in Richmond, Texas, is helping save lives by donating 1 AED a month to deserving organizations.
The leading cause of death in young competitive athletes, according to the US Centers for Disease Control and Prevention (CDC), is sudden cardiac arrest, with one study estimating that one death occurs every three days in youth sports. Every year, 66 athletes in the United States die from sudden cardiac arrest.
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.
What exactly makes up the roof of a house? It’s easy to think of the roof as a single object, something that goes in place all in one piece.
But roofs are actually systems made up of different parts. In this post, we’ll look at the anatomy of a roof to help you understand the different components and layers and how they work together.
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.
Hail storms are a major problem for homeowners in the Houston area. In fact, the state of Texas experiences more hail storms than any other part of the country, with an average of 667 storms per year. Across the country, hail storms accounted for $1.1 billion in damages this year alone.
Hail presents a major risk for homeowners. Yes, a roof may protect you from a hailstone crashing through the ceiling of your house, but the damage that hailstones can inflict on a roof is significant. Often, the damage isn’t at first apparent, which is why we want to discuss the topic with you.
Recognizing how hail can harm your roof and knowing what it looks like will help you know when to call us to repair hail damage in Richmond, TX. This is one of our areas of expertise, and we work closely with insurance companies to help our customers with roof damage claims.
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.
The majority of modern homes have shingle roofs, with architectural shingles taking over in popularity from 3-tab shingles. But there are many different options for roofing materials with their own advantages. If you’re looking to have a new roof put in for your home, you may wish to consider a metal roof.
Although you don’t see a large number of metal roofs in the Richmond area, they do have several benefits to think about. Below are the top six reasons you may want to consider a metal roof for your home.
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.
How do find the right Roofer in Sugar Land, Tx? When you’re searching for a roofing company, there’s several important things to look for. There’s a lot of options out there, some great, and some not so great. Take note that Texas is one of the few states that DO NOT require a Roofing Company to be licensed. When trying to hire a local trusted Roofer in Sugar Land, be sure to crosscheck these 5 items on this list:
Ask to see a copy of the Insurance policy and call the Insurance Agency or Broker to verify.
Sugar Land Town Center
By checking all of these, you will have the done the due diligence for yourself to make sure you find an honest roofer. Most reputable companies will have no problem providing you full documentation and transparency. From a small Roof Repair or an entire Roof replacement, we recommend the same process.
Here’s also some things to watch out for when hiring a local Roofer:
Never give a Roofing company money up front or a down payment. We’ve seen several instances where they took the money and the Homeowner never heard back, or the Roofer is “extremely hard to get a hold of”.
If a Roofer tells you that they can get your Roof for Free, find another Roofer. They are basically telling you that they can get your Insurance company to pay for your roof and they will cover your deductible. Texas law states that the Homeowner must pay their Home Insurance deductible. If you decide to go this route, just keep in mind that this is technically Insurance Fraud.
In the event of a Hurricane or Named Storm, Roofers literally come out of the “woodwork”. Demand for roof repairs and roof replacement escalates and finding a trusted roofing company can be difficult in that time. With that said, in Texas, you do not need a license to do Roofing. Make sure you use the list above to check the background first. Storm chasers will come from other states, and they may disappear. Other companies, not qualified to do roofing, will claim they can.
Reign Roofing is a local, experienced Roofer in Sugar Land, TX. We specialize in Roof Repair, Roof Replacement, and Insurance claims.
