Metal Roof Hail Damage Consulting
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Summary provided by video transcript.
Hey guys, Kody Doerschel here today. We’re at Chanute High School and we were called out because of a recent hailstorm that affected the area. So let’s take a look at the damages, come check it out.
So we’ve been hired as consultants on the high school, the middle school and the elementary school. And the reason for that is the school district needed a roofing expert to prepare the damages, create a report and present that report to the insurance carrier. After vetting some of our previous references and evaluating our reports, the school district felt that RestoreMasters was the best pick for this project.
So one of the things that the insurance carrier is trying to say about the damages on this roof is that they’re from a new hail storm. The insurance carrier has a cosmetic exclusion on the metal on this property. So we had our meteorologists pull all of the data. We’ve raked through all the recent hailstorms and the largest stones that we can find are 0.75. Well, if you take a look here, this is measuring in over an inch, which is right about the exact size that the school is saying damaged their roofing system.
So now what we’re going to do is we’re going to inspect every single panel and document all the hail that is larger than an inch. And we’re going to do this on every elevation. That way when the insurance carrier comes out, there’s no denying that the damages that we’re seeing are indeed the damages that the school district believes damaged their roofs. So oftentimes with hail comes wind damage. One of the things that we’re seeing on this TPO roof system is wind damage to the parapet walls. So what happens is when you get high wind gusts, the wind will jump over this ledge and create a vacuum effect. Any orifice in the wall itself, wind will get behind, de-bond the parapet wall, and get up underneath the roofing system.
So one of the things that it’s often overlooked by contractors on hail claims like this are trades like windows. Now, windows are expensive and they’re hard to replace. The problem is, identifying the damage can be a real challenge. So we like to perform what’s called a light test. Now what a light test is going to do is it’s going to show us any imperfections that have been caused by the damage from the hail. We take all of this data and we supply this to the insurance carrier when we meet with them here for the adjustment. So you’re not just getting the roof, we’re getting all of the damages taken care of that have been caused by this hail storm.
So when the insurance company came out on their own, they found no damage to the metal roofing system, no damage to the TPO, no damage at all. Already today, we’ve identified damage to the metal roofing system, damage to the TPO, but we’ve also found damage to the AC units, the windows, and now their metal siding. Which this metal siding wraps around the entire perimeter of the school. Documenting these damages and presenting them to the insurance carrier in a proper way is key to winning your insurance adjustment. So when the consultants for the insurance company came out and took a look at these walking pads, they said that this was actually just improper installation. That the walking pads had not been adhered properly or welded down properly. But if you take a closer look, you’ll see that that’s just not true. And in fact, they were welded down so well that when the high gust of wind came through and ripped this off, it ripped some of the TPO off with it.
So if you think your property has been affected by a recent storm and you’re not quite sure what to do, you don’t want to be tied down to one person. What you need is an expert eye. Somebody who’s got experience in identifying, documenting, and then presenting those damages to the insurance company in a way that the insurance carrier can understand. So they can help you replace the damages to your commercial property. Check us out on the web or give us a call. We’re not just roofers. We act as consultants too. Thanks so much, see you next time.
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