Roof Hail Damage
Hail Damage is a huge problem for property owners throughout New York.
10 Year Warranty, extendable up to 50 years with Manufacturer's Warranty.
We are Insurance Experts helping with every step of your Insurance Claim.
Hail, Wind and Snow Protection available for new installations.
Insurance Will Pay For Your Roof!
You have been paying into your insurance for years! This is exactly what your insurance is for. Like most property owners, you have likely paid many thousands to your insurance company over the years. So when the worst happens and hail damage ruins your roof, why not have them pay to repair or replace it? We have replaced hundreds of roofs at no cost to the buyer, throughout the Capital District.
We can handle everything for you, from meeting with your insurance adjuster to filling out and filing your paperwork.
To The Buyer
Our promise to you: if your insurance does not pay for the damage to your roof, you will not have to pay a cent!
10 Year Extendable Warranty
Our in-house 10 year warranty is extendable up to 50 years with the manufacturer's warranty.
Prevent further dregradation of your roof which could lead to your roof failing completely and damage to other property.
Why Should Hail Storms Concern You?
Hail storms can cause extensive long-term damage to your residential or commercial roof and siding. You may not see the damage or experience a roof leak right away, but once the damage is done it can severely affect the lifespan of your roof and cause issues that will come back to bite you later. Hail storms have become more and more devastating to Albany roofs and property. No roof is completely safe from the destructive powers a severe hail storm can have.
Hail is one of the Costliest Forms of Adverse Weather in Albany, Clifton Park and across the Capital Region
Albany Roofs experience extensive Hail Damage every year
Massive hail over 1½ inches in diameter is very common in New York's Capital Region. Some hail stones can even be larger than a baseball! Imagine the storm damage that would be caused by a huge, solid object of that size, falling from the sky at 30,000 feet at a speed of 120mph... devastating!
There were over 6000 major hail storms across the USA in 2017, according to the National Oceanic and Atmospheric Administration (NOAA) Severe Storms database. In recent years, hail storms have grown more and more destructive, causing a huge increase in insurance claims. The Insurance Institute for Business and Home Safety expects this year to be the 11th year in a row in which the costs from severe storm damage exceeds $10 billion, with 70% of that cost resulting from hail damage!
Hail damage is not always easily seen and issues can take time to manifest, but you should have a thorough roof inspection after a hail storm to ensure that your roof hasn't taken too bad of a beating.
How Does Hail Form?
Despite the awful destructive powers of a hail storm, hail formation is a fascinating process.
- Inside a thunderstorm are strong updrafts of warm air and downdrafts of cold air.
- If a water droplet is picked up by those updrafts, it can be carried well above the freezing level. With temperatures below 32°F, the water droplet will freeze.
- As the frozen droplet begins to fall, carried by cold downdrafts, it may thaw as it moves into warmer air toward the bottom of the thunderstorm
- But our little half-frozen droplet may also get picked up again by another updraft, carrying it back into very cold air and re-freezing it! With each trip above and below the freezing level our frozen droplet adds another layer of ice.
- Finally, our frozen water droplet, with many layers of ice - much like the rings in a tree - falls to the ground as hail!
Helping Your Insurance Claim
The adjuster will always inspect your property during working hours, so you probably won’t be home when the adjustment is taking place, which means you will have no input in the matter. We can be there to represent you and your interests during this inspection, ensuring that the adjuster does not miss any details that are crucial to your claim. The adjuster will inspect your roof and exterior of your home for visible signs of damage only. For the roof, he will measure out a “Test Square” (10′ x 10′) on different sections of your roof. If he can find a sufficient amount of bruises or breaks for each “Test Square”, the insurance company will pay you for a new roof.
What if the adjuster finds "No damage"?
It is possible that your roof was the only one on the block that wasn’t damaged. And it is also possible that the adjuster is new and missed identifying the damage. We have had several roof replacements that we were able to get the insurance to cover, after they had previously denied the claim. We know the insurance process inside and out and can advise you that you are fully entitled to a re-inspection by another adjuster within the same firm. If you’re not completely satisfied with the results of your claim, don’t settle. Ask for another inspection and let us work for you and get you the new roof you deserve.
Most discrepancies occur when the adjuster has not assessed the same amount of damage as the contractor. Damage to the roof, gutters, siding or other exterior or interior damage can be very hard to identify from a cursory look around. Without an experienced roofing contractor there to point out these important details the adjuster is far more likely to miss them. This is why you need us to represent you during the inspection.
You are fully entitled to have your contractor of choice represent you during the adjustment process to expedite the settlement of your claim. You need not take any time off work or miss any other important events or appointments. We can be there in your place and work with your adjuster to determine the true extent of the damage, clarify all our pricing and offer a repair price agreeable to the insurance company. All you will pay is your insurance deductible, if you have one. We can get you a very fair and agreeable settlement.
How Do Insurance Payments Work?
The payment for the repairs is always broken up into two payments. The first payment is made just to get the work started. In most cases, around a week after the adjuster has estimated your property you will receive your first check. This initial amount is referred to as the net claim, which is the ACV (Actual Cost Value) of your roof repair/replacement MINUS DEPRECIATION.
Depreciation is a misleading term. Many think that the first check they get from the insurance company is the only payment they will get. This is not the case!
Once work is completed, an invoice for work completed must be submitted to the insurance company and then the rest of the funds will be released. Then the insurance company should issue a second check for the RECOVERABLE depreciation amount. This will only happen if the total expenses are equal to or greater than the total settlement.
Think of this split payment as the insurance company's own insurance that the money will be spent on the repairs and not a family vacation. In the end, everything ends up being paid for except the deductible.
However, many homeowners never get this depreciation amount back because they do not understand the process or the roofing contractor they chose did not understand the correct claim procedure. Be careful to choose a contractor that has experience with insurance claims or you may end up severely out of pocket!
Understanding Hail Damage
Hail can cause severe damage to your roof without there being any visible signs from the ground. The damage can very easily be overlooked. The hailstones do not even have to be all that big to cause bruising and wear away the asphalt of your shingles, removing the outer layer of protective granules. Loss of these granule layers will leave your shingles exposed to the sun's UV rays. This will cause serious deterioration of the shingle in a short period of time.
Hail driven by strong winds can be particularly devastating to your roof and the exterior of your home. An evaluation by one of our trained inspectors can verify the extent of the damage and outline the means by which they should be repaired or replaced. There are a lot of Albany roofers around that have no clue how to inspect for hail damage or work an insurance claim. We deal with these matters all the time, so with Infinite Roofing you are in the very best hands.