ASPHALT SHINGLES

If the roof was properly installed and ventilated, you should expect a 20-25 year lifespan on an asphalt shingle roof in the Arizona climate despite offering a limited lifetime warranty.

As asphalt shingles age and are exposed to the elements, they begin to lose their granules. You may notice a pile of granules on the ground or by the gutter downspout after a heavy rain or hail storm. Over time, the roof will appear to have a "shine" we like to call cob webs. This is actually the fiberglass being exposed and is an indicator it's time to be replaced. 

Obviously, missing shingles is a clear indication of wind damage, however, in the event of hail even our specialized team needs to be on your roof to make a determination of damage and potential coverages by insurance.  Let us give you a free no obligation inspection by calling (480) 909-5548!

When it comes to storm damage there is either short or long term damage. If the wind removes shingles or the roof, it’s immediate damage and obvious to the residents. Hail damage is what we refer to as long term damage and difficult to see from the ground. This damage actually shortens the life of the roof without causing any immediate leaks or issues. When a roof may have still have 5 or 10 more years left the hail damage can shorten it to 2 or 3. This is why it’s important to get check out now because a claim can’t be filed after 1 or 2 years from the date of the original storm 

It depends. Our expert inspectors will look for specific types of damage on your roof. If we find damage insurance might cover, we will work directly with your insurance company to help you navigate the process of filing a claim and getting your roof replaced!

In Arizona, it is generally illegal for an insurance company to raise premiums solely due to an act of God claim. An act of God is a natural event that is sudden, unexpected, and out of human control, such as a high winds, microbursts, or hail. 

Rates as you may have noticed tend to rise regardless of filing a claim. This happens to keep up within increasing rates inflation and even to due other claims in region or state.

Unfortunately some insurance agents will try and talk you out of filing a claim even in clear cut losses. They do this for their benefit and not your own.  

We would agree if the damage is below your deductible to maybe avoid it however we can help you make that determination and whether a roof is repairable or not.

When it comes to wind damage ANY 3 tab style shingle regardless of age or how few should be deemed irreparable as they stopped making these shingles nearly 3-4 years ago both Metric and English. Laminate architectural shingles may also be deemed irreparable if it is of certain age or will not pass brittle ore reparability test or Itel report. Itel report being a 3 party investigation in to being able to match or find said shingle.

For Hail most insurance carriers look for a determined number of hail hits within a square or 10’x10’ area when it comes to hail. The number can range from 5 to 10 hits. Along with that collateral evidence such as splatter marks on the HVAC, Dish or other metal penetrations is key to knowing when it happened. Despite these guidelines it can sometime be arbitrary from adjuster to adjuster which is why we recommend having a trusted contractor on site when they do their initial inspection to point out the damage.

We understand you may have property management groups that look after the home but they or their contractors won’t know if the home qualifies for replacement via your insurance. We have 20 combined years experience dealing directly with insurance companies. Some of our team used to be insurance agents so we know the system and how it works. We also work with several property management groups that trust us with their clients and often do get the roof expense covered by their insurance. If you want to put us in contact with your property management we’d be happy to work with them.  

 Most investment properties have discontinued 3 tab shingles that even if the damage is minimal may qualify for complete replacement due to availability and repairability. Without the knowledge of this some property owners move forward with a cheap patch that is not proper and will then negate being able to get it to qualify for replacement. Mitigation however is acceptable which is where we temporarily tarp or otherwise repair until it can be seen by adjuster and can offer. 

Let us simply do the inspection first and determine any chance of a full replacement by filing a claim before patching or repairing.

First step is to get a trusted contractor on your side to verify that there was damage. After a thorough inspection proves the storm did affect the roof you’ll want to file a homeowners claim as soon as you are able. Catastrophe adjusters deal with the overwhelming amount of claims that come in after a storm. They travel the country after storms and are more experienced and well trained than some local staff. You are more likely to have a ‘CAT’ adjuster than someone from the local office when you file a claim close to the storm date. You’ll also want a contractor to meet with the adjuster to point out the damage they found upon inspection so everyone is on the same page.