HOW REGULAR ROOF INSPECTIONS MAKE THE DIFFERENCE
When assisting our customers with an insurance claim for hail on their commercial properties, we often run into the same objection from insurance carriers. They claim that the hail damage appears to be old and may have occurred outside of their policy’s coverage. This puts the burden of proof on the building owner. They must prove that there was no hail damage before the proposed date of loss and the damage was a result of the storm in question.
The only way to do this is to have your commercial property’s roof inspected on a regular basis. An inspection by a trained roofing professional should include a thorough check for any storm related damages backed up by photos. Photographic evidence of your roofs condition prior to a particular storm event is extremely valuable in determining and proving the date of loss.
Below are two examples where we have run into this in the past year.
North Kansas City, MO – Industrial Building
We were contacted by the building owner to determine the cause of some leaks and provide a repair proposal for the roof. The building owner had only owned the building for about three years and had only a limited inspection of the building, prior to purchase. He was informed by the prior owner that the roof was only a few years old at the time of purchase. The building owner had performed no inspections of the roof system since its purchase but had completed minimal leak repairs. Immediately upon accessing the roof, our inspector noted extensive hail damage to the worn PVC roof system. Further inspection found that the entire roof system had sustained hail damage. This damage was brought to the attention of the building owner who decided to file an insurance claim.
A SHC representative was present for the inspection and pointed out the extensive damage to the carrier’s adjuster. The adjuster agreed with the damage assessment but stated that since the hail impacts had dirt present in them, it must be old damage that fell outside of their coverage. This customer is still challenging the decision of their insurance carrier.
Overland Park – Religious Center
We were contacted by the member of the board of a religious center in Overland Park, KS to provide a proposal for the coating or replacement of their roof system. Our inspection revealed hail damage to the modified bitumen roof system as well as inter-ply moisture within the roof system. The board elected to file a claim with their insurance carrier.
Again, the insurance adjuster agreed that the roof had sustained functional hail damage but determined that the hail damage may have occurred outside of their coverage period. This claim is still ongoing.
Regular roof inspections are essential evidence in the event of a hail related insurance claim. Documentation of the roof’s condition prior to the date of loss proves your claim that the damage occurred as a result of that storm and during the coverage period of the policy.
Want more information on this? Check out the links below:
–DISTRICT COURT FIGURES OUT WHAT THE HAIL™ IS GOING ON
–IF YOU HAVE OPERATIONS IN THE HAIL BELT, BEWARE THE 5TH CIRCUIT’S RECENT RULING
Call SHC Roofing today to set up regular roof inspections for your property! It could save you a ton of money!