Smart Steps To Reduce Hail Storm Damage


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

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.

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 i n 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



What is Impact Resistant Roofing?

Impact Resistant Roofing as defined in Texas

To qualify in Texas as "impact resistant roofing" (Class 4), the roofing product must meet Underwriters Laboratory testing requirements under designation UL-2218. A Class 4 roof covering offers the best hail protection and will receive the highest discounts on insurance premiums.

All manufacturers of roofing materials* eligible for the impact-resistant roofing discount adopted by the Texas Department of Insurance must label their products with the following information:

The proper Underwriter's Laboratories label or label from any other testing lab approved by the Texas Department of Insurance

  • The impact-resistance classification (Class 4) of the product under U.L. Standard 2218
  • The manufacturer's name
  • The year manufactured
  • The brand name of the roofing product

All types of "impact resistant" roofing acceptable in Texas are described at www.tdi.state.tx.us/commish/roofingx.html

Even more specifically, the shingles must meet other more specific requirements of the Texas Insurance Department.



What Could Be So Confusing About Shingles?

25 vs. 30 vs. 35 vs. 40 vs. 50 vs. Lifetime vs. 20

There is a lot of confusion arising from shingle warranties. This certainly has the consumer losing lots of money in equity (value) off their roof. To explain this better one must understand how shingle manufacturers labeled their products from 1981 to 2001, and then the changes that were made from 2001 to present.

Important: shingle weight types are more important than manufacturer's warranties as the weights have remained relatively unchanged while the warranties have been arbitrarily reassigned.

This is by no means a comprehensive list as there are additional products that carry 50-year and/or Lifetime warranties that are of various weights (i.e., CertainTeed's Presidential TL is 480-pounds, the impact resistant shingles vary in weight, etc.). There are also other 30-year and 40-year products that have varying weights as well.

The best way to prove what type of shingles you have (by weight, not years) is to have proof of shingle type from previous installation or to have the shingles measured for thickness with a micrometer. A professional roofer can assist you in this manner. For replacement purposes, previous warranty length is not necessarily relevant. Make sure you are receiving the proper estimate from your insurance company so you do not sacrifice any of the value in your current roof.



Learning More About OSB Decking

 Product, technology, manufacturing and marketing advances point to another windfall this year for the producers of oriented strand board (OSB)

OSB has already taken a whopping 70% share of the North American residential market for floor, wall and roofing sheathing (decking). The structural panel, veering from its commodity category, is now cracking new value-added markets, a development that is expected to further spark demand

OSB for the first outstripped plywood by a slim margin in North America structural panel production last year, totaling 40.2 billion square feet (3/8" basis). According to the APA, The Engineered Wood Association, that margin will increase to 5.6 billion square feet a 65% share for OSB, by 2002. The following factors explain why OSB will continue to gain major strides:

1) Low Cost

OSB has the lowest cost structure of all structural wood panels. That means huge savings for and consumers. In addition, OSB is now one of the most profitable sectors in the wood industry.

2) Environment Factors and Advantages

The erosion of softwood plywood production will switch demand from plywood to OSB. Wood products consultants Leonard Guss, of Leonard Guss Associates, estimates that at least six billion square feet of plywood production will disappear in eight to ten years, due to mothballing of antiquated plants and the diminishing availability of construction grade plywood.

The scarcity of larger trees has affected plywood, which must be made from individual veneer strips, or peeler logs. OSB is made from strands of small-diameter trees like aspen. The strands of aligned longitudinally and laterally in alternative layers for structural strength and bonded with water-resistant resins under heat and pressure.

Using all parts of the log, bark and fines are collected for fuel in the production possess, OSB is an extremely resource-efficient product. It makes the most of fast growing trees, a factor complementing environment consideration.

3) Product Advantages

Guss, a respected products consultant, says OSB is not only an adequate replacement of plywood but convincingly better. "OSB has unlimited sizes variations, even up to 8' x 24'. It's good on both sides and offers a broad array of thickness." Guss says OSB's blending process allows for a more thorough distribution of resin and wax of the strand surface, thus permitting a good control of board properties.

OSB's manufacturing process also yields consistent panels free of knots, splits, and voids, making them easy to saw, drill, nail, plane and sand.

4) Consolidation


The largest wood products acquisitions in resent times occurred last year. They involved the two largest OSB manufactures in North America, Louisiana-Pacific and Weyerhaeuser, buying out Le Groupe Forex and MacMillan Bloedel, respectively the second and third largest Canadian OSB manufacturers. Duplicating functions of combined entities will be cut and efficiency increased.

These moves underscore a new strategy by manufacturers moving toward manufacturing wood products to supply higher margin building materials. A decade ago firms were not pressured to adopt such a strategy because traditional lumber was plentiful and higher quality panels.

5) Technology

Consolidation is being accompanied by a frenetic push to upgrade existing mills and develop new mills with the latest technology that will make them most efficient facilities producing lower-cost but higher- quality panels.

6) Performance Manipulation

Manufacturers are mass producing high-quality boards with a very high degree of efficiency. Change the process, manipulate resin content and strand orientation, and flexible or stiffer panels can be produced. Board dimensions can also be customized from the factory floor to fit the needs of builders, home owners and value added product manufacturers.

7) Marketing and Branding

An interesting trend, pointing to far-reaching ramifications, has companies installing whole engineered flooring systems, combined I-joists and OSB panels into a single branded product. There is no end in sight to the expansion of this value-added approach. Firms will race to supply an entire OSB roofing,

flooring and wall systems, in which multiple components will be branded as value-added single products with 25- and 50-year guarantees. No longer can OSB, in this context, be considered a commodity production.

8) Engineered Wood Boom

The boom in engineered wood, employing products that are stronger and more durable than traditional lumber, will further increased OSB demand and accelerated value-added OSB use. A striking example involves wood I-joist. Composed of a thin OSB web that is bonded to the top and bottom flanges of lumber or laminated veneer lumber, I-joists are commonly used in roof and floor systems.

From virtually no market share in the early 1990's, it is estimated that half of all homes in the North America will be supported by I-joists floor systems in several years. Structural installed panels (SIPs), foam sandwiched by OSB panels, are beginning to be used by buyers of energy efficient homes, and could be making the same sort of impact as I-joists over the long run.

9) Housing Fundamentals Still Strong

Despite concerns about housing starts slowing, there are no signs of a dramatic downturn, If starts do begin to slow, due to interest rate hikes, the home repair and the remodeling market would take up some of the slack, since potential new buyers would motivated to hold off on purchases and renovate existing homes. The popularity of OSB, as with engineered wood, is also dovetailing with the shifting residential needs: homes are larger, as well as garages, and more materials, including OSB, are required for each residential unit.


About Joe Hall Roofing

Joe Hall Roofing is a reliable, reputable, resource for all of your roofing needs in Dallas-Fort Worth.

Quality work by quality people.

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  • Joe Hall Roofing, Inc.
    1925 W. Pioneer Parkway
    Arlington, TX 76013-6187
  • Telephone : 817-756-1315
    or 877-617-5777

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