Roof damage is the most common type of hurricane insurance claim we see after a hurricane, wind storm or hail event.  Wind from hurricanes and tropical storms can cause substantial roof damage – whether just a few loose shingles or the total destruction of the entire roof structure.  Even worse, any opening in your roof can cause water to enter your home and devastate your belongings.  Hail can also cause severe damage and greatly reduce the functional life of your roof.

After a roof damage loss, it is crucial to get your roof repaired or replaced as soon as possible.  The longer you wait, the more time there is for additional damage to be caused by water loss.  On the other hand, if full repairs are not completed and only a quick patch job is performed, you may be asking for an even greater problem down the road.

The question whether to repair or replace a damaged roof is hotly debated by insurance companies and their policy holders.  During this epic struggle, you will most likely hear terms and phrases such as the “25% Rule”, the brittle shingle test, asphalt granular shingle loss and shingle bruising.  In order to help better understand your insurance claim, we’ve provided a quick summary of these terms below.

The 25% Roof Replacement Rule of the Florida Building Code

The most commonly referenced roof damage term is the 25% Rule.  The 25% Rule arises out of Section 708.1.1 of the Florida Building Code.  The pertinent portion of this Code Section states as follows:

Not more than 25 percent of the total roof area or roof section of any existing building or structure shall be repaired, replaced or recovered in any 12 month period unless the entire roofing system or roof section conforms to requirements of this code.

There are a couple of important points to keep in mind with this Code Section.  First, if a more than 25% of your roof is damaged – either from a fallen tree, high winds, or otherwise – then the entire roof must be replaced.  If less than 25% of any portion of your roof is damaged, then (at least pursuant to this Code Section) the roof can just be repaired or patched.  Secondly, the 25% can be measured by any given section of the roof.  If more than 25% of any given section of the roof is damaged, then that section must be replaced and not merely repaired.  Thirdly, there is a 12 month time frame over which this 25% is calculated.  For example, if the initial damage does not reach the 25% threshold for replacement, but then over the next 12 months, additional repairs are required that cause the damage to go beyond the 25% threshold, then the entire roof section must then be replaced.

The Brittle Shingle Test

The brittle shingle test is a super scientific testing method whereby an inquisitive person picks up a shingle, tries to fold or bend the shingle up to a 90 degree angle, and then checks to see if the shingle breaks or bends.  If the shingle breaks, then the shingle is brittle and the roof probably needs to be replaced.  If, on the other hand, the shingle is still pliable and bends, then the roof is not a candidate for replacement (or so the insurance representative would say).  This testing method is clearly subject to many variables (temperature of shingle being tested, etc.), but is often used by insurance companies as “proof” that the roof shingles are still functional.

Shingle Granular Loss

Asphalt granular shingle loss is generally calculated to occur at about a 3% rate per year.  Unfortunately, damage from wind or bruising by hail can accelerate this loss by anywhere from 15% to 40%.  Even if the damage doesn’t totally destroy the shingle or make an opening all the way to the matting, the artificially accelerated “aging” of your roof may be a covered loss under your insurance policy.  The theory is that prior to the storm you had a roof with (hypothetically) 15 years of remaining life, but now after the storm damage, you left with a roof with only 5 years of useful life left.

Shingle Bruising

Shingle bruising is usually caused by hail damage.  When hail strikes an asphalt shingle, it can cause a localized loss of granules, usually circular in shape, to the shingle and a fracture in the mat beneath the shingle.  The damage to the mat is usually referred to as a bruise and can be indicative of damage to the functional ability of the roof.  Bruising and hail damage to a roof can cause a diminution of the water shedding ability of the shingle and a reduction in the functional life of the roof.  Bruised shingles need to be replaced as such damaged shingles are no longer able to keep water and other elements from entering the structure.

Get Experienced Help for your Hurricane Insurance Claim

Please know that many of these determinations are very subjective and, unless you have a working knowledge of building construction and a mastery of the coverages available under your insurance policy, you may not be best equipped to handle your property damage claim by yourself, and may want to discuss your claim with an experienced property insurance claim attorney.  Should you have any questions whatsoever, please contact our office and we will help guide you through whatever issues you may have with your insurance damage claim.

 

Hurricane WindsAs we watch Hurricane Danny approach the Gulf, it is hard to believe that 10 years have passed since Hurricane Charlie and three other storms caused massive damage and property insurance claims throughout Central Florida.  Although the passage of time makes it easy to think that such storm damage is unlikely to happen again, we are not immune from further visits from Mother Nature.

It is important to prepare for the eventuality of a hurricane strike now, instead of waiting until the winds begin to blow before getting your family and property ready for the storm.  First, make sure to map our your evacuation route so that if you are ordered to leave (or just want to), you already know where to go and how to get there.  Whether or not you plan to evaluate, it is crucial that you stock up on water, non-perishable foods, and power sources (batteries).  It is also important to have a reliable radio so that you can stay informed as to the storm’s progress and any evacuation instructions.  Don’t forget about your pet either, as many shelters do not allow animals and leaving Fido in the back yard is not a very good option.

Hopefully, long before the arrival of a hurricane or storm, you reviewed your policy of property insurance to verify the coverages that exist for damage caused by high winds and water.  Be aware that certain rules, exclusions and deductibles apply for damage caused by a hurricane or storm, so if you have any questions, it is advisable to seek the advice of a professional with experience handling such issues.

Lightning StrikesAlthough it doesn’t get the same attention as Florida’s other natural disasters, lightning damage led to more than 10,000 insurance claims in Florida over the past year.  Florida ranks first in the nation for both injuries caused by lightning strikes and insurance claims caused by lightning related damage. The estimated total property damage caused by lightning over the past year in Florida was nearly 74 million dollars.

Although it is impossible to predict when and where lightning will strike, it is possible to reduce the risk of lightning damage.  By installing a lightning protection system, you can essentially “ground” your property and thereby allow the damaging lightning to dissipate into the ground.  Although such systems are not perfectly reliable, they do lessen the risk of damage to your property by keeping the electricity away from the building materials which can’t handle the full force of the lightning.  Many experts also recommend the installation of lightning rods and the use of surge protectors on any electronics.

Even with such precautions, it only takes one direct lightning strike for your entire structure to go up in flames.  As always, it is important to verify that you have the appropriate property insurance coverage to protect you in case Mother Nature decides to pay your house a visit.  Should you have questions regarding what coverage may be available under your property insurance policy, contact an experienced insurance claims attorney and discuss what options are available to you under your insurance policy.

 

 

The  severe weather that recently swept through the area left many property owners with damage to their roofs from the storms and high winds.  When massive storm damage appears, the environment is ripe for an illegal activity that often plagues Florida – roofing scams.

The usual manner by which these roofing scams play out is that an alleged “roofer” contacts a property owner and claims that the roofer can act as an insurance adjuster to help the property owner with the insurance claim.  The crooked roofer will promise the world to the property owner in order to get the property owner to hire the roofer to “handle” the claim, and may also request that the property owner assign to the roofer all rights to any of the proceeds of the insurance claim.  The roofer will then perform substandard repairs to the property and submit an inflated bill for these services to the insurance company.  The roofer will often times, as an “additional service” to the property owner, attempt to trick the insurance company into paying for other (non-roof) portions of the property by hiding/misnaming such costs in his bill for roofing repairs.  Many of these crooked roofers are fly-by-night operators that merely swing into town after a storm event and then, once the work dries up, move on to the next town – with no intention of standing behind their roofing repairs or providing any sort of warranty.

This activity is not only unethical, but illegal as well.  Before you hire a roofing contractor, make sure you research the contractor’s track record with the Better Business Bureau and make sure the contractor provides accurate contact information in case there is an issue with their work.  Lastly, if you ever have a dispute with your insurance company, it doesn’t make sense to hire a roofing company to advocate your claim – hire either a licensed public adjuster or an attorney with experience handling insurance claim disputes.

 

tornado-damage-floridaOver the last few days, Central Florida has been pounded by torrential rain, tornadoes and high winds.  These damaging windstorms and tornados were especially violent in Manatee, Sarasota, Lee, Hillsborough and Pinellas Counties.  These thunder storms caused flooding in Shore Acres, wind damage in Siesta Key, and claimed the lives of two people in Duette.  Now that the storms have past, we are left to deal with the damage done by this weather event.  Fortunately, most people have homeowners insurance to help pay for the damage to their property, but as we have often seen, going through the insurance claim process can be a world of heartache all its own.

After the storm or tornado has past and/or the flood waters have receded, you should immediately contact your insurance company and place them on notice of your claim.  The sooner you start the insurance claim process, the better chance all parties have of accurately calculating your damage and the cost to repair same. You should also take whatever ever steps you can to mitigate the damage caused to your property and otherwise take action to keep additional damage from occurring.  You should also, to the best of your ability, make a listing of the damaged property.  Although making a listing of your damaged property can be difficult – especially when the items are missing or totally destroyed – you are the best person to know the extent of your property.  If you can’t properly itemize your lost or damaged property, most likley the insurance company will not reimbuse you for same.

After a storm or other weather event, you may also have to deal with emergency restoration companies.  These companies will come to your house soon after the damage occurs and will do the immediate repairs or restoration that may be necessary to protect your home from further damage.  These services usually include the placement of large fans or other equipment to dry out your property, the installation of tarps over your damaged roof, or other similar activities.  Although these services can often be crucial for the protection of your property, always remember that these services are very expensive and that you only have a certain amount of money under your insurance policy limits with which to repair your home.  If large sums of your policy limits are spent on these initial emergency repairs, you run the risk of not having sufficient funds remaining to repair the remainder of your home.  Therefore, it is always important to obtain an agreed upon written estimate of the work prior to the performance of same.

Lastly, it is important to remember the difference between flood insurance and wind insurance.  Your normal policy of property insurance does not cover flood damage – meaning damage caused by “rising water”, but will only cover damage caused by water which was “blown into” your home by wind.  For instance, if your property was damaged by water that had been blown in through a window or a damaged roof, your normal homeowners policy would cover it.  If the damage was caused by water rising from a nearby creek, your homeowner’s policy would not cover the damage.  It is crucial that you understand the coverages available to you prior to authorizing any repair work to your home.  If you authorize a contractor to dry out your home after a flood and then realize that you do not have flood insurance – you will be on the hook to pay the contractor out of your own pocket!

As always, should you have any questions regarding what coverage may be available to you under your insurance policy, please feel free to contact our office and we will do our best to answer any questions you may have regarding your property damage claim.

 

Almost every time we speak to a new client regarding their hail damage insurance claim, our clients tell us that the insurance company representative told them some variation of one or more of the below statements.  Unfortunately, insurance company adjusters have a habit of trying to convince property owners that they have “no business” filing legitimate hail damage claims, and even try to convince the hapless homeowners to drop their claims.  We’ve put together the below list of insurance company representations and have pointed out the truth underlying these misstatements.

1.  “Since you don’t have much damage, you shouldn’t file a claim” – In reality, if you have any damage whatsoever from a covered cause of loss, you have the absolute right to place a claim with your insurance company for the repair of this damage.  Moreover, even if the damage to your roof may not seem severe at the moment, if left un-repaired, it may eventually lead to additional leaks and problems down the road – which could end up costing substantially more to repair.  Better to get the repairs taken care of immediately so that additional subsequent damage can be avoided.

2.  “If you file a claim, your insurance company will cancel your policy” – In fact, most states have laws which specifically prohibit insurance companies from cancelling a policy solely because of the insured’s placement of a claim.  Not only is the insurance company prohibited from taking this action, the insurance company might be exposing itself to a claim for bad faith claims handling as well.

3.  “Since it doesn’t look like you’ve lost any roof shingles, you must not have any hail damage.” –  This is one of the most common statements, and is really a total misdirection.  Missing shingles are usually related to wind damage claims (hurricanes, tropical storms, etc.), and are not an absolute indicator of hail related damage.  A roof may be substantially damaged by hail, even though the actual shingles appear to still be in place after the storm.   Furthermore, the damage may not cause leaking until well after the storm.  Therefore, it is crucial to have a qualified expert examine your roof after a storm to fully evaluate the damage to your property.

4.  “If you file a claim, your insurance rates will go up.”  Let’s be honest, if a storm or other large weather event comes through your area, the insurance company is going to raise everyone’s rates anyway.  So if your insurance premiums go up and you are the only person on your block who didn’t file a claim, your increased premium dollars will just be used for paying everyone else’s claims and not yours.

5.  “You should place a claim with your manufacturer’s warranty/home builder/building contractor for this damage.”  – The reality is that most manufacturer’s warranties specifically exclude damage caused to your roofing shingles by hail.  Furthermore, home builders and contractors will only be liable for faulty workmanship or failure of the products and services they provided as part of the scope of their employment.  Absent some specific (and hard to imagine) language in a home builder’s contract that states that the builder agrees to be liable for acts of nature which occur after the home is built, there would be no cause of action against the building contractor for hail damage.

6.  “Since you didn’t notify us immediately after the hail incident, you cannot make a claim.” – Although there may be various limitations under law or in your policy which govern the time frame within which you must place your claim, such limitations usually allow ample time to make your claim and do not mandate that your claim is automatically barred if you didn’t notify the insurance company the day after the event.  Although it is important to consult with a legal professional as to what limitations may exist in your policy or under the laws of your state, the process recognizes that it may take a while to fully become aware of the damage and to notify your insurance company of same.

Always keep in mind that the individual the insurance company sends to initially inspect your damage is either an employee of the insurance company or an outside adjuster who relies upon the insurance company for his standard of living.  Although usually these representatives do their best to honor the insurance company’s obligations to you, do yourself a favor and never forget who butters this person’s bread.  If you have any doubts about whether you are getting a fair shake from your insurance company, please feel free to call our office.

 

It may come as a surprise to many homeowners, but you may be able to substantially reduce your homeowner’s property insurance premiums by just looking through the provisions of your policy.  Specifically, most homeowner’s insurance policies set forth numerous premium “credits” for which you can qualify based upon the age and condition of your home.  These available credits are usually listed in the documents you receive along with your annual policy renewal – you know, the stuff you never read and immediately throw away.

For instance, you may be entitled to a substantial premium discount if your roof has wind mitigation straps.  These straps literally “tie” your roof to your exterior walls and may help avoid the structural failure of your roof and walls during a high wind event.  If your home was built after 2002 or if your roof has been recently replaced, your home most likely has these straps as the use of such was mandated after the building code was amended in 2002.  You should hire a wind mitigation specialist to do an inspection and to determine whether your roof has these wind mitigation straps and whether you qualify for any other premium discounts.  These inspections usually cost between $75.00 to $100.00 – a small investment considering the reduction in premiums you may be able to obtain.

As with many things, the devil is in the details, and this process will require that you take the time to read the onerous and often-times purposefully confusing provisions of your insurance policy – but you may be able to save several hundred dollars (every year!) in homeowner’s insurance premiums.  Better in your pocket than in your insurance company’s wallet!  As always, should you have any questions regarding your insurance policy, please feel free to give our office a call.