Memorial Villages Roof Claim Validation (Wind)

By:
Roofs ONE

VIDEO CALL CALENDAR

VIDEO CALL CALENDAR

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.

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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.

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Surfside Beach
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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.

(Click Here to Order Your Wind Report)

That is it, for now. Have an awesome day!

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Comments

I have black stains on my roof. How can I get rid of them? My neighbors have them, too; now that I think about it

Hi Aristi, thank you for your question. Use oxygen bleach to clean your roof and please read the article we wrote because it explain with great detail how to do it correctly. We even gave tips on ladder placement. Better yet, let us do it. Contact us for exact pricing. (https://www.roofs.one/the-roof-report/how-to-remove-algae-stains-from-your-roof) Our roof cleaning service starts at $200 and goes up from there. Thank you

It's my understanding buying a class 4 shingle will lower my insurance premium, but will it lower my coverage?

Hi Bailey, thank you for the excellent question! The safe answer is "please check your coverage detailed in your policy". For the more thorough and deeper way to answer your question, I asked many colleagues and only one had a unique answer. Robert from Oklahoma City said one of his clients that bought class 4 shingles did receive a lower premium, but he lost the hail coverage. I was shocked to learn about this real world example about how this specific insurance company handled this upgrade. It could strictly be a case of correlation and not causation, but it's still interesting. Thank you for taking the time to ask your question.

One of your employees left a postcard on my door and I figured you could answer my question - What questions should i ask roofing companies before i hire them?

Hi Chad! thank you for your question. Several very important questions you need answered before hiring a roofing company are: - what is the square footage of my roof? - what waste % are you calculating for the complexity of my roof? - what brand/type of shingles are you offering me? - how much are you paying for the shingles from your supplier? - show me your certificate of insurance - show me your certificate of worker's comp insurance - show me where you have added me as an additional insured on your insurance policy - do you have a 3 day cancellation fee? if so, waive it. - how much will deck repairs be per sheet of plywood when decking is exposed and visible? - show me the list of materials necessary to install to keep the asphalt shingle warranty valid - what are the additional steps you are taking to protect my home from debris and nails being left behind? - provide me a full list of materials that are being installed on my roof. - what is warranty for labor? for how long? This list of questions is a great place to start. Most roofing companies don't want you to ask them because they are underinsured, overcharge for materials, cut corners by reusing your old roof parts, etc... I hope this helps!

A company is telling me I can get my roof for free from the insurance and they would cover the deductible if I hire them. Is this true? (I'm in Texas)

Please don't do that. The insurance deductible is a contractual agreement you have with your insurance company. In Texas, Texas Law House Bill 2102: It is illegal for contractors or roofers to offer to waive a deductible or promise a rebate for all or part of a deductible. Under the new law effective September 1, 2019; violators could get up to a $2,000 fine and up to six months in jail. If a contractor offers to waive a deductible, report it to the Texas Attorney General’s Consumer Protection Hotline at 800-621-0508. Do not commit insurance fraud by accepting unethical and illegal practices. Thank you for your question

This article will certainly help me make an informed decision.

Hi KD, glad we could help. We'll have a new feature on the website where you'll be able to get a Date of Loss for your insurance roof claim. Coming soon, FREE!

How long should it take for a company to give an estimate?

Hi Holly, responsiveness is a great way of showing a customer we care. We can do an informal estimate within a few hours and a formal estimate within 24 hours.

The last roofer gave me a two line estimate so I asked for more information. Haven't heard anything yet.

Hi Melinda, a detailed estimates should have detailed line items of the type of products including brand, quantity, color (if possible), with price. If you would like contact us and we can help you with a detailed quote. Thank you.

Great information. What city are you referring when you give the $350 to $450 average?

Hi Sally8100, thank you for your comment. This article is referring to Texas and Oklahoma City.

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How will I know how many layers of flat roof my house has before I commit to re-doing the roof? I don't want the roofers to discover a second or third layer and then the job exceeds budget

Hi Kasey, thank you for your excellent question. Pay the roofing company to perform the test on a small area of your flat roof before you start the project. Have the contingency in place that the price paid for the test includes the repair in the event you don't proceed with your new flat roof.

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