Lakewood, Arvada, Golden, and Wheat Ridge all experienced a catastrophic hail storm May 8th, 2017 with hail reaching up to 2 inches in diameter. When hail hits the damage that can occur can become overwhelming for homeowners pretty quickly. If you’re not sure who to turn to or even what the first steps are after a hail storm we’re here to help. We’ll work with your insurance to make sure you get the quality you deserve and that the damage is taken care of in it’s entirety. Let’s take a look at where to start.
- Play it safe. Obviously you and your families safety is top priority when a hailstorm hits. If you’re at home or in a building stay inside and away from skylights or windows. Hail can absolutely break glass and you don’t want to be anywhere near a window if it breaks. If you happen to be driving and find yourself caught in the middle of a storm stop driving, pull completely off the road and stay inside the vehicle until the hail stops.
- Assess the damage. Once the storm has subsided and it is safe to go outside you’ll want to do an assessment of the damage. Hail stones come in a lot of different shapes and sizes and can cause damage to siding, roofs, windows, and gutters. You’ll want to carefully take a look around your house and contact a local hail specialist to do an inspection of the roof, confirm damage, and provide you with an impartial estimate for the work. This is key when it comes to working with your insurance company. An objective estimate will ensure that your insurance provider matches the standards that you deserve on your home and fairly covers the damage.
- Contact your insurance provider. Once you have confirmed damage you need to contact your insurance company and file a claim. It is a very common misconception that opening a claim after a hailstorm will cause your premiums to go up. This is FALSE. Hail and wind storms are classified as catastrophic events and premiums are raised according to zip codes affected by the storm. What does that mean? It means that if your neighbors are filing claims and getting their roofs redone and you don’t, you’re premium will most likely go up regardless.
- Choose your hail specialist. This may or may not be company that did the initial inspection of your roof. Your insurance company may even have a “preferred vendor” however you should know that you may choose to use any company you like to get your home back to tip top shape. Some things to consider when choosing your hail specialist are, whether or not they are local. This will mean they’ll be around if and when a warranty issues comes up and they are more likely to have crews that work with them on a regular basis. Make sure they are a full service company. Coordinating contractors can be exceptionally difficult, finding a company you’re comfortable with and that can also handle several aspects of your project will save you a lot of headache. Make sure they are looking to help you not just take your money and run. Ultimately, whether you’re upgrading the home or dealing with the aftermath of hail you deserve to be treated fairly and you deserve the best possible products and service for your home.
Hail is difficult enough and whether this is your first hail storm or your 50th you deserve to work with a company that will take the time to make this process as simple and easy as it can be. Vivax Pros will work with you and your insurance to take care of your home so you can stop stressing and get back to living.
If you are new to Colorado, you’ll realize quickly how fickle the weather here can be, and how hard it can be on your roof. The typical lifespan of a roof is anywhere between 15-30 years but with hail and wind damage, you could be looking at much more frequent roofing projects. Doing research on roofs and all the different roofing materials can be very hard and confusing. To try to make it easier, we have compiled a pros and cons list, of the commonly used shingle types and how they can be both beneficial as well as the disadvantages of each shingle type. There are four commonly used roofing shingles. The decision making process is always hard when is comes to the investment of your home, so I hope this makes is a little easier.
- Asphalt Shingles
- Very cheap compared to other types of shingles as these are the most common.
- Comes in many different colors and designs.
- These types of shingles are very lightweight for your roof, structural reinforcement will not be needed.
- Weather resistant
- Appropriate for any style of home
- Can Decay with sudden weather changes
- They must be installed in the appropriate weather conditions, they will not hold up if installed in low temps.
- Periodic maintenance routines are recommended
- They may be blown off by high winds.
- Susceptible to hail damage
- Can scar or be damaged by heat.
- Wood Shake Shingles
- Esthetically pleasing
- Very durable
- Resistant to severe storms
- Energy efficient
- When aged, it turns to a beautiful grayish silver tone
- Provides natural insulation up to two times that of asphalt shingles
- Lasts 10 times longer than asphalt shingles
- They are expensive compared to asphalt.
- Regular maintenance will be required.
- Moss, mold, and mildew are all possibilities with wood shake.
- Cedar treatments that will prevent fungal growth are pricey.
- They are also illegal in Boulder, Colorado and many other areas are following suit.
- Metal Roofs
- Life span of the shingles is about 20-50 years.
- Paint finished metal roofs have a 30yr warranty.
- They are very lightweight and only 50-150 lbs per sq/ft.
- Very fast and easy to install.
- Fire resistant
- Maximum shedding of rain and snow off the roof. Surface is hard and slippery allowing weather to fall right off.
- Heat conduction- Metal reflects radiant heat from the sun minimizing midday heat gain-increasing energy efficiency.
- Typically quite expensive
- Noise-rainstorms and hail can be very loud. The noise can be controlled, by using sound deadening insulation and solid plywood sheathing.
- Painted metal can chip. Peel, or fade.
- Dents from hail can occur.
- Some metal roofs cannot be walked on; can be slippery when wet.
- Expansion and contraction on hot days can cause a wavy effect.
- Many people assume that the roofs will attract lightning but in most documented instances the lightning strikes the trees or other high objects near the roof.
- Slate Tile
- Aesthetics- very attractive.
- Comes in a variety of colors
- Longevity-Lasts longer than any other kind of roofing material
- Resists rots and insects.
- Leaks are very easy because of insufficient sealing.
- Most companies will not repair
- Very heavy for the roof-there may need to be a structural engineer hired to advise where to beef up the wood in the attic to accommodate the extra weight.
- Very fragile-walking on tiles will break them.
- The tiles will last just close to forever but the tiles that break are close to impossible to replace and match.
- Tiles are very expensive.
Obviously there’s a lot to think about when you are looking at making changes to your roof. The key components to keep in mind are materials, esthetics, durability, and cost. Now that you have a better understanding of what each material has to offer, finding a shingle to fit your needs will be much easier.
Colorado residents are no stranger to the damage spring’s frequent hail storms can wreak on the roofs of their homes. If you believe your roof has been damaged by a hail storm, please contact Vivax Pro Exteriors for a free inspection before further damage can be done.
Hail damage on a roof in Commerce City. This went untouched for 2 years and is now corroding the roof!
After a hail storm it is best to assess the damage done to your home in order to know what steps you will need to take. You’ll want to visually inspect your roof for signs of damage looking for black spots where the granules have come off due to the impact, you’ll typically find these granules in your gutters and downspouts. You may also notice large dents or cracks in your gutters, this too is a sign that you will want to have your roof inspected by a professional.
Once you’ve assessed the damage yourself it’s time to set up a FREE estimate to have someone come out and look at your roof. It is best not to allow multiple sets of roofers to get on your roof as the shingles are more fragile and this may cause more damage. You also want to make sure you are going with a credible company so do your research and make sure you are comfortable with them.
If the roofing company representative has told you that you do have hail damage, you will want to contact your insurance company. Most of the time insurance companies will be handling several claims after a hail storm so it may take some time to get back to you. Luckily, Vivax Pro Exteriors works closely with insurance companies in order to provide homeowners with a professional and stress-free experience. The insurance company will send out an adjuster to evaluate the damage and you will then receive a check for the “Actual Cash Value” of your roof with depreciation and your deductible taken out.
The next step is to hire a professional and credible roofing company that gives you a written proposal and reasonable terms. The roofing company will bill your insurance and the final check will be mailed to you. Once the work is completed to your satisfaction you can pay the company with the “Depreciation Check” that your received from your insurance company.
A hail storm can be devastating but finding the right roofing company and getting in touch with your insurance quickly can save both time and further damage.
Have you inspected your roof yet? Does your siding look a little shredded? If so, please call a local and family owned company for a free inspection. Our hail insurance specialists can help you with any project regarding roofing, painting, gutters and windows. We specialize in ALL of those areas and we are 100% local from our crews to the materials.
Go with a company you can trust who isn’t going anywhere. We’d love to tell you about our warranty and why we are the best local roofers.
It’s now officially storm season and the devastation across the Midwest has caused millions, maybe even billions, in insurance claims.
For those that haven’t taken care of their roof replacement from the Colorado June 2012 storm, now would be a good time to do it. You’re going to want a strong new roof to fight the weather elements this season.
Hail season in Colorado can be devastating and for the past 13 seasons, the Front Range has seen hail. Be proactive rather than reactive. Make sure your roof has been inspected. Make sure you choose to work with a company that will help protect you and your family. If that means having your roofer go to bat with you to fight insurance, then so be it!
We care as much as you do about having a strong and safe roof over your heads. That’s why were dedicated to providing the best materials, crews and service in the residential roofing industry. At Vivax we also find it important to support local. No storm chasers!
A Little More About Vivax Pro Roofing:
–100% Local –local crews and local shingle manufacturer (Owens Corning Denver Manufacturing Plant) local distributor in Commerce City (we will be here when you need us!)
-Hail/Insurance Specialist- we work with your insurance to get your claim approved
-25 year workmanship warranty (limited lifetime shingle warranty)
-Vivax pulls work permits on EVERY job
-Have complete workers comp and general liability which can be provided at any time
If you have any other questions that might pertain to Denver Roofing Companies of Vivax Pro Roofing see our FAQ page
Many home owner’s have been puzzled when they notice a consistent dripping from above on a winter day. Especially, when no snow or rain fall occurred on that particular day. So how is it possible the roof be leaking on a day on a day such as this?
The reason this is possible is due to the formation of what is known as an ice dam. Ice dams form on homes in Colorado in such areas as Highlands Ranch, Greenwood Village, Centennial, Littleton, Lone Tree, Parker, Castle Rock, Commerce City, Brighton, Aurora and Boulder to name a few. The reason for this being is that these areas can receive significant snowfall which can form a barrier of ice that accumulates near the edge of the roof. This barrier is what has commonly been known to be called an ice dam which prevents the roof from draining properly. As the picture depicts, damage to roof materials and leaks are caused when water builds up behind the ice dam from the snow that is melting. Unwanted water invading your home can negatively affect the interior of your home as well as personal belongings and even furniture. Sometimes, if the leak is bad enough, mold and mildew have been known to form. Small children and pets are the most susceptible to respiratory infections brought on by mold growth and should be avoided at all costs for everyone.
Poor insulation of the space in the attic allows warm air to permeate through the attic ceiling reaching the underside of the roof. This warm air warms up the roof which causes water at the edge of the roof to freeze. This is the main reason ice dams form. Repairing a roof that is leaky will not necessarily stop ice dams from forming in the future.
Here is how to best protect yourself and prevent ice dam formation:
- Clean your gutters of all leafs and debris before first snowfall of each year. This will assist in eliminating a build-up of ice in the gutters.
- Seal any air leaks in the attic
- Add insulation to the attic once the all leaks are sealed. Keeping warm air inside will prevent the chances of the roof warming too much on the outside.
- Make sure you have proper attic ventilation to reduce heat transfer through attic to the roof.
If there is even a chance your home could be suffering from water leaking due to ice dam, call Vivax Pro Roofing at (720-290-9448). We will get one of our professional roofing installers to you ASAP to provide you with an expert diagnosis and solutions for your home! We service the areas of Highlands Ranch, Greenwood Village, Centennial, Littleton, Lone Tree, Parker, Castle Rock, Commerce City, Brighton, Broomfield, Thornton, Westminster, Boulder, Aurora, Englewood and Denver.
A warranty should always be in writing and the roof contractor should be able to provide you with a sample for your review before signing a contract. From start to finish, use good common sense when selecting someone to work on your home. Low bids can often mean someone is cutting corners to make a profit. Price should not be the sole determining factor when choosing a contractor. Determine your needs, don’t allow yourself to be pressured, make a smart decision and you’ll be pleased with your investment. Proof of insurance, including Workers’ Compensation and General Liability, should be verified before the contract is signed. Vivax Pro Roofing has one of the best warranties in business with a 25 year workmanship warranty. Most shingles have a limited lifetime warranty. Not to mention, Vivax Pro Roofing has $2,000,000 General Liability and Worker’s Compensation. We have a current copy of our warranty and insurance certification on our website at https://www.vivaxproroofing.com/about-vivax/frequently-asked-questions/
A vast majority of roof repair insurance claims are settled with roofing contractor assistance. The reason for this is insurance assigned adjusters often not only underestimate jobs but just don’t see the full scope of damage that exists. For this reason, it benefits the homeowner for the contractor to give an actual estimate for the necessary work to be completed. More times then not, the contractor’s numbers will be higher then the amount the insurance company initially paid out. If this is the case, we make a request for additional monies on the homeowner’s behalf which is called a supplement. That great thing about supplemental request is that they are rarely depreciated. This means you get the total dollar amount to take care of the additional work required in one check, instead of one check up front and a second check once the work is completed.
After you file a claim, you will receive an estimate from an insurance claims adjuster of your carrier to bring the property back to the condition it was previous to the damage or loss.
This is somewhat “standard” of insurance practices. However, all insurance companies are different and there are a variety of practices within the industry. Within this particular practice, there are two methods of compensating you to bring you to a “pre-loss condition.” The first is to pay the Replacement Cost Value (RCV) and the second is to pay you Actual Cash Value (ACV). The difference between the two is called depreciation.
As things get older they generally lose value over time. We take advantage of this when we depreciate property at tax time. Unfortunately, when we file a claim, the insurance company takes advantage of this. Though your home itself may actually appreciate, the building components used to construct the home are deteriorating from age and lose value, a.k.a. depreciate.
When your adjuster comes out to settle your claim, they will prepare an estimate of damages and an estimate of value of your contents, then subtract your deductible as well as deduct the value of depreciation. Depreciation value is often determined by the Property Loss Research Bureau which is a third party organization that performs all research related to insurance claims and loss. Typically, insurance companies follow their standards.
How this applies to you.
If you have an ACV policy, you get your check and that’s it. Once depreciation is deducted and you get the actual cash value, the claim is considered settled. You have to come up with the actual amount to do repairs on the property and replace contents.
However, if you have an RCV policy – you’re in a much stronger position. In an RCV policy, you typically get your actual cash value check when the adjuster first comes out or it is sent to you after the adjuster’s estimate is compiled. You then get a second and final check that covers the difference between ACV and RCV. This will occur after Vivax Pro Roofing has completed the necessary repairs on the property and you are happy with all of the completed work. Vivax will then send out an itemized invoice to the homeowner which will need to be re-directed to the insurance carrier. Please contact us with any questions you may have about the insurance process. Vivax Pro Roofing is here to help!
There are many ways in which a homeowner can move forward with the insurance process. Typically, we suggest you start by calling your insurance carrier. Your insurance company will most likely send an adjuster out to assess the damage of your home. Your insurance company’s goal is to get the house back to pre-hail damage. Unfortunately, not always does the insurance company give a homeowner enough money to take care of the worked needed by the right contractors, with the right materials. Some would say that having your insurance company adjust your claim is like having the IRS prepare your tax return, they are not going to cheat you, but they’re not going to look for every bit of money for you either. This can feel very discouraging as all you are wanting is to get your home back to where it was before the storm. Many homeowners feel the need to find roofers and contractors who will do the much needed work for dollar amount the insurance company gave the homeowner. DON’T MAKE THIS MISTAKE!
This is where Vivax Pro Roofing can help! Our team specializes in dealing with insurance companies on behalf of our clients to insure that the homeowner is given the PROPER amount of money to do the work THE RIGHT WAY. Vivax Pro Roofing is a family owned and operated, 100% local, professional roofing company. We understand the importance of taking care of your home the right way and you need to have the correct amount of money to make this happen. Let us be your advocate and we will go to bat for you!