05 Jul CLASS IV IMPACT RESISTANT ROOFING SHINGLES
THE TRUTH ABOUT IMPACT RESISTANT ROOFING SHINGLES
If you have filed an insurance claim recently against hail damages, you were most likely told by your insurance adjuster to consider upgrading to a Class IV impact resistant roofing shingle, that would save you as much as 30% off your monthly insurance premiums.
We do not recommend Class IV impact resistant shingles….and here is why.
In 2001, at my insurance companies recommendation, I put a class IV impact resistant roof shingle on my own home. I also recommended this product to all of my customers for 5 years in a row. For doing so, I would receive a 30% reduction off my monthly insurance premiums.
Then, 5 years later, I was hit with another large hail storm. I felt pretty confident that my roof would not be damaged and that should not have to worry with repairs/replacement like everyone else.
BOY WAS I WRONG
The following day I decided to go ahead and take a look at my roof, just to be sure.
After a quick roof inspection, sure enough, there were damages spread out on every slope of my home. So much for “impact resistant”.
So….I filed the claim…received a call back immediately and set an inspection date for 2 weeks later.
EVERYONE IN MY NEIGHBORHOOD IS GETTING A NEW ROOF
It has now been almost 2 weeks since the storm and already roof systems are being replaced in my area left and right. I know my inspection is coming soon and I am eager to get the work done and out of my way.
CLAIM SWIFTLEY DENIED
Finally, the day had arrived for my adjuster to show up and solve all of my problems. The adjuster climbed the roof, spent approx. 30 minutes documenting the damages and taking photographs, came down the ladder and said, “My apologies Sir, Claim Denied”.
Is this some kind of a sick joke, I uttered? No sir, you have approximately $1500 – $3500 worth of damages by my estimation and your deductible is $3800, thus leaving me unable to cover the cost of this claim.
Basically the damages/repairs to my roof did not even meet my deductible amount, therefore all repairs would now be out of my own pocket.
Wow! Now I see why you guys offered to give me 30% off my premiums if I installed an impact resistant roof. Because you knew you would never have to pay to replace my roof again!
MAKE THE REPAIRS OR YOU’RE CANCELED!
As the adjuster left, I thought, “well, nothing is leaking, I have better things to worry about right now, I will just let it be..”
To my surprise, I received a letter 2 weeks later stating that they were now giving me approx. 90 days to make the repairs to the roof and prove that the work had indeed been done or they were going to cancel my insurance. Do What??!! Not only did they deny full replacement, now they want me to repair it out of my own pocket or I’m canceled! I quickly put in a call to my agent, and bottom line, “nothing we can do”, he says. You have to get it repaired. We cannot insure it in its current condition.
WHAT ABOUT MY CUSTOMERS!?
I had been spending so much time on my own claim that it never occurred to me all of the homeowners that I had recommended the impact resistant shingles to, just as the phones began to ring. Not only was I living the nightmare, customers all over the metroplex were also feeling the sting as well. Customer after customer calling to complain that they were either being denied full replacement or being forced to pay for repairs out of their own pockets. Many of them never even filed a claim. The insurance companies were sending all homeowners with class IV impact resist roof shingles a letter requesting proof of repair/replacement whether they had claimed it or not.
WHAT TO DO?
The problem with repairing my roof, is that I am being asked to “repair” a 5 year old roof with new shingles that would not match the old ones in color.
Have you ever been driving down the road and looked up at a roof and the roof appeared to have streaks or have different shades of colors on it? That is exactly what caused that. Repairs to the roof with new shingles that will not match the old ones.
I tried to explained this to my insurance company and they did not care. Fix it or your canceled.
I DECIDED TO PUT UP A FIGHT
After attorney fees and 2 years of legal battling, I basically wasted my money. I took a serious loss by listening to my insurance company as well as did many of the customers that I recommended the class IV impact resistant shingles to. When it was all over I ended up tearing off the impact resistant roof and installing a normal Lifetime Owens Corning shingle.
In the end, I learned a valuable lesson. When an insurance company offers a big discount for something, there is always a reason why.
Insurance companies recommend the class IV roofs because they know they will never have to pay for your full roof replacement ever again. That doesn’t mean that your roof is not going to ever be damaged by hail again, only that it most likely will not be viewed as a total loss, therefore they no longer have to pay for it.
DO NOT BE FOOLED BY THE PREMIUM DISCOUNT
Class IV impact resistant roof shingles are a really good idea, for everywhere except the DFW area. The Dallas/Fort Worth area is hit with far too many large hail storms that can and will damage any type of roof system. There is no such thing as a hail proof roof.
Now, I use and recommend only the Lifetime Owens Corning or GAF shingles and nothing else. It is strong enough to stand up to nearly all of the hail storms that frequent our area but will be completely totaled out and paid for in full by the insurance company in the event that a large hail storms hits. Which is highly likely for the DFW area.
THERE IS NO SUCH THING AS A HAIL PROOF ROOF
Don’t be fooled. Save your money. There is no such thing as a hail proof roof.