Full Transcript of Video:
0:00 to 0:25 Intro and summary
0:26 to 0:50 NOAA (National Oceanic and Atmospheric Administration) and NSSL (National Severe Storm Laboratory)
0:51 to 5:51 Hunters Creek Property Case Study
5:52 to 6:43 Act of God doesn’t raise premiums
6:44 to 7:21 Hunters Creek Property Case Study
7:22 to 7:35 Receive free wind report for your property
7:36 to 7:44 Conclusion
Welcome to the Memorial Villages case study. If you live in one of the Villages; for example: Bunker Hill Village, Hedwig Village, Hunters Creek, Piney Point, Hilshire Village, or Spring Valley and your roof is nowhere near the end of its life cycle, but you're having problems. Most likely, it's because of wind damage, not because of hail damage.
Here, as part of NOAA (National Oceanic and Atmospheric Administration) we also have the NSSL (National Severe Storms Laboratory).
Many people think of wind damage only coming from tornadoes, hurricanes and those situations but it actually happens very often in the Memorial Villages and it's a phenomenon the NSSL calls "straight-line winds". It only takes sustained gusts of wind of 50 to 60 miles per hour to cause problems to your roof.
Today, we're going over one example where the property is constantly getting several times a week 90+ mile per hour winds. We're going to look at 10826 Roaring Brook Lane in Hunters Creek.
Right here (pointing to the image on the map).
So, lets see. On February 23, 2022 we had 73 mph max gusts of wind.
If 50 to 60 mile per hour winds is the beginning of what could cause problems, wow.
The second of February 2022, 112 mph winds.
It seems like 50 to 60 mph winds is an average at this property. Look at January 20th, 2022 with 90+ mph winds. Two days in a row, 90+ mph winds and the average max wind gusts being 66 miles per hour. 113, 110, 109 mile per hour winds, 90+ miles per hour; look at this; even on January 8th.
Three days in a row where you had 90+ mile per hour winds.
77 mph January 4th, 2022, wow.
A lot of people in the Memorial Villages don't even know this, so here's the thing, there are several ways to pay for your roof and it's sad to say but when your roof hasn't lived through the end of its complete life-cycle, then it isn't fair that you should have to pay for it and that is when your homeowners insurance comes in. Most people, 90% of the people in fact, get their claims underpaid by their insurance company when they try to handle it themselves. The most important part of your roof claim is validating the claim by having a validation date or a good date of loss. This historic wind report is how you find it if you're not sure of the exact date the wind damage occurred.
Many Memorial Villages property owners might think it's hail damage, it's not. The Memorial Villages don't really have many problems with hail damage. Lets remove that from your thoughts right now. A lot of companies understand hail damage, but they don't understand wind damage very well. We, Roofs ONE, do understand wind damage very well. If you notice at this location for example, there's 0.50 inch hail. 0.50 hail will not provide proper validation for your roof claim as to what is lessening the life cycle of your roof.
Now, back in January 8th of 2016 at this particular address (10826 Roaring Brook Ln), there was a hail storm that had 1 inch of hailstones. Let me go back and mention that this particular home was built in the 2000's and there really isn't any reason why the roof is in the condition that it's in, so this homeowner needs a new roof because of the wind damage. If this person was to claim their roof on their homeowners insurance, the insurance would deny a hail claim.
This is why I wanted to show you that wind is the reason why your roofs in the Memorial Villages are not lasting as long as they should.
Lets look at December wind records. December 31, 100+ miles per hour. Then we have December 17th, December 15th, December 14th, December 13th, December 12th, all of these dates December 11th, you had really high winds. It wasn't in the news but it's still causing damage to your roof.
We can go back randomly to: December of 2019.
Lets look at that for example December 18, 2019 100 mile per hour winds. December 17th 97 miles per hour, December 16th 92 miles per hour. High winds in the Memorial Villages are on a regular basis so your roofs are not lasting anywhere near as long as they should last. Look at this 100 mph, 118 mph, 114 mph. November, December, lets keep going back. Lets go further back in time. Lets go back to 2018. What's happening?
Here we go. December 18th, 81 miles per hour on December 11th. November 4th, September 21st. 70, 81 miles an hour. August 21st. The strong wind continues to happen and this is pounding your roof week after week and it is weakening it, lessening the life-cycle of your roof if your roof is not at the end of its life then of course you're going to be upset.
So that is where you could file a homeowners insurance claim on your roof and when you do that, by law, the insurance company is not allowed to drop you from your insurance and they are also not allowed to raise your premiums (due to An act of God - describing an event outside of human control or activity).
Lets go back to 2017 and this is as far back as we go and we start in March 2017. March 19th 85 mph. May 9th 74mph.
This is important, validating your roof claim and finding a correct date of loss because you don't want to get underpaid because of not having proper help from someone who might not understand wind claims, then a lot of people get underpaid. June 27th, June 26th, June 24th, it happens quite often in the Memorial Villages.
If you want to know more information as to how this information relates to you, to your address, to your property, go ahead and call us, email us and we can get this information for your at no charge and we'll be glad to help you.
That is it, for now. Have an awesome day!