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Virtually eliminate your
exposure to hail storm damage with impact
resistant roofing.
You need to know about impact
resistant roofing. Impact resistant roofing can save you money
on your Homeowners insurance, can eliminate the vast majority of
hail damage experiences, save you money on your deductible and
save you from considerable aggravation.
Impact
Resistant Roofing Makes Living with Hail Storms Much Easier.
Welcome to Hail Alley USA. In the
Spring of each new year- from very late March thru June Texans
are at the mercy of Mother Nature. Texas is the hardest hit
state in the Union for hail storms and hail damage. 40% of all
homeowner’s claims in Texas relate to hail damage to roofs.
Tarrant County is the hardest hit of all Texas counties. Major
hailstorms hit Texas in 1992 and in 1995 and again in 2003.
| Texas weather can be
tough. The North Central Texas Council of Governments
suggests that "Over the next 30 years, the North
Central Texas region will be hit by more than 200
tornadoes, more than 2000 hail events, more than 100
significant wind storms…. " This is a brief
summary…. See an executive summary of potential Texas
hazards at www.hazmap.nctcog.org |
Below is information from
the North Central Texas Council of Governments
website about storm damage in Texas.
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Top
10 Costliest Texas Storms (1950 - 2003)
Insured Losses - Actual Dollars |
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Rank
|
Cost
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Storm
|
Date
|
Location
|
|
1
|
$3.5 billion
|
Tropical Storm Allison
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June 8, 2001
|
Houston
|
|
2
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$1.1 billion
|
Hail Storm
|
May 5, 1995
|
North Texas
|
|
3
|
$885 million
|
Hail Storm
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April 5, 2003
|
North Texas
|
|
4
|
$795 million
|
Hurricane Alicia
|
August 18, 1983
|
Galveston
|
|
5
|
$750 million
|
Hail Storm
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April 28, 1992
|
Fort Worth-Waco
|
|
6
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$445 million
|
Tornado
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March 28, 2000
|
Fort Worth
|
|
7
|
$425 million
|
Hail Storm
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April 28, 1995
|
DFW Airport
|
|
8
|
$400 million
|
Tornado/Hail Storm
|
April 24, 1994
|
Lancaster/Desoto
|
|
9
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$310 million
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Hurricane Celia*
|
August 3, 1970
|
Corpus Christi
|
|
10
|
$291 million
|
Flooding
|
October 1994
|
SE Texas
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Hail losses are a plague to
homeowners and to the insurers that cover their homes. There is
no win here for either insurers or homeowners. But there are
people who profit from storms by taking advantage of Texans.
Storm chasing roofers and opportunists flock into storm areas
and take advantage of homeowners under stress and disoriented by
hail damage. We are compiling information here to help make sure
you are never among their victims.
Impact
Resistant Roofing Can Save You money on Your Homeowners
Premium
There is nothing we can do
to stop hail; there are viable options for minimizing your
exposure to hail damage. This is great news because new roofing
products labeled "impact resistant roofing" can reduce
your homeowners policy by up to 35%. Homeowners can
save millions on their premiums, insurers can save millions on
paying for damages and homeowners will be saved the
aggravation of dealing with roof damage from storms. Impact resistant roofing is the way of the future.
| State Farm Insurance is the largest insurer of homes in Texas.
State Farm has a very strong interest in the development of impact resistant roofing which can save
State Farm and their policy holders large sums.
Check out this information. It is eye-opening and quite interesting And remember, when the article mentions "there are parts of Texas, Oklahoma, Kansas and Nebraska where hailstorms average six strikes a year or more."... They are talking about Tarrant County!
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Just a short time ago, the
Texas Department of Insurance mandated the homeowner savings.
Now the savings are voluntary and you do need to understand what
the discount is with your particular insurance company. You also
need to understand the fine details of the policies. Feel free
to call us with your concerns or questions. We feel it is our
duty as a responsible roofing company to watch out for our
neighbors and make sure they fully understand what can affect
their home, their family and their wallet.
Impact
Resistant Roofing Can Virtually Eliminate the Stressful Hail
Damage Cycle
The homeowners insurance
pays the bulk of the loss; still, the individual homeowner
shares in the loss by contributing the amount of their policy
deductible toward replacement of the damaged roof. Avoiding the
deductible becomes a major incentive particularly, for some
policyholders who have two or three total roof losses in a
decade.
With increased confidence in the
"impact resistant roofing, homeowners can consider choosing
a higher deductible which will in turn lower the insurance
premium you are paying. This too can be a sizable saving to the
homeowner.
And beyond the deductible and
dealing with the insurance claim, home owners are pleased to
give up dealing with contractors inside and on top of the house
making repairs to the premises. Reducing the hail risk to your
home gives added peace of mind knowing that your risk of hail
damage has been greatly reduced. Owners of homes protected with
"impact resistant roofing" will be sighing with relief
when the hail comes again and their less prepared neighbors are
calling the roofer and calling their insurance company.
And speaking of the deductible,
if you have confidence your roof will survive future hail
storms, you will more likely be comfortable choosing a higher
deductible which will in turn lower the insurance premium you
are paying. This too can be a sizable savings.
Use Joe Hall Roofing as a
Resource
We can help you understand
whether impact resistant roofing makes sense for you. There are a
tremendous number of options available with impact resistant
roofing. Come visit our roofing showroom. You can feel and touch
the products and find the product that not only protects your
home but creates the look and feel you want in roofing. |