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The Destructive Force of Hail

Hailstorms are among the most destructive weather events, causing billions of dollars in damage annually. The most affected U.S. metro areas over the past 25 years include Dallas-Fort Worth, Denver, San Antonio, Phoenix, St. Louis, Oklahoma City, Kansas City, Minneapolis-St. Paul, Houston, and Wichita​ (Weather Underground)​​ (Stacker)​. These regions have experienced frequent and severe hailstorms, leading to significant damage to residential buildings.

Hail’s Impact on Residential Buildings

Hailstones can vary from pea-sized to as large as grapefruits, with some storms producing hailstones up to 8 inches in diameter​ (Weather Underground)​. When hailstones of such size strike, they can cause severe damage to roofs, siding, windows, and other exterior components of homes. Roofs are particularly vulnerable, as hail can crack shingles, cause granule loss, and even puncture the roof deck in severe cases. This damage can lead to water infiltration, causing leaks, mold growth, and structural damage over time.

Effects on Insurance Carriers and Policyholders

For insurance carriers, hailstorms represent a significant financial burden, with annual damage from hailstorms estimated to be around $15 billion​ (Weather Underground)​. During particularly severe years, this number can escalate, such as in 2017, when hail damage costs reached $22 billion. The increasing frequency and severity of hailstorms have led to rising insurance premiums and deductibles for policyholders in hail-prone areas.

Policyholders face the daunting task of navigating the claims process after a hailstorm. They must document the damage, file a claim, and often deal with lengthy and sometimes contentious negotiations with their insurance providers to ensure they receive adequate compensation for repairs. This process can be stressful and time-consuming, especially when policyholders are not well-versed in the intricacies of insurance policies and damage assessments.

How Estimate on Demand Supports Roofing Contractors

At Estimate on Demand, we specialize in generating detailed and accurate supplemental estimates, known in the industry simply as supplements, for roofing contractors. Here’s how we can help:

  1. Identifying Missing Items: Utilizing advanced AI technology, we meticulously review carrier estimates to identify any missing items or overlooked damages. This ensures that no necessary repairs are omitted from the final estimate.
  2. Supplemental Estimates: Our expertise lies in writing supplemental estimates, which highlight what insurance adjusters might have missed. We rarely write initial estimates; instead, we focus on supplements that expand upon the original carrier estimates to ensure comprehensive coverage.
  3. Experienced Estimators: Our team is comprised of former insurance adjusters with ample field experience. This expertise allows us to provide highly accurate and detailed supplements that roofing contractors can use to advocate for their clients effectively.
  4. Streamlined Claims Process: By providing precise and thorough supplemental estimates, we help roofing contractors streamline the claims process. This not only speeds up the approval of claims but also ensures that policyholders receive the full compensation they are entitled to.

Hailstorms pose a significant threat to residential buildings, causing extensive damage and leading to substantial financial impacts for insurance carriers and policyholders. In the most affected areas like Dallas-Fort Worth and Denver, the frequency and severity of hailstorms are particularly concerning. At Estimate on Demand, we are committed to supporting roofing contractors by providing accurate and comprehensive supplemental estimates, ensuring that the claims process is efficient and that policyholders receive the compensation they deserve. By partnering with us, roofing contractors can enhance their service offerings and effectively address the challenges posed by hail damage.

storm.r.richardson@gmail.com

Author storm.r.richardson@gmail.com

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