Q: Why does hail damage shingles?
A: Asphalt shingles are coated with granules (the exterior coating) to protect the roofing material from the elements. Hailstones can knock granules off of asphalt shingles, leaving the surface looking rough or bald in spots

Q: Can damage compound over time?
A: Yes! If roofs are left unchecked, the damage can significantly compound over time which can lead to leaks, missing shingles or worse.

Q: How long can I wait to file my insurance claim?
A: Insurance companies typically only give 1 year from the storm date to allow you to file your claim. That’s why it’s extremely important to file sooner rather than later.

The Dangers of Hail Damage…

The process of hail damage:

Shingles are made of 3 layers:

  • Mineral granules on top

  • A layer of asphalt in the middle

  • A fiberglass mat on bottom

When hailstones impact the mineral granules on top, they knock them off and bruise the shingle. This leaves the asphalt layer underneath compromised and susceptible to the weather elements. These elements (wind, sun, rain, and freezing temperatures) contribute to the damage initially caused by hail. When left unresolved, additional granules will begin to release from the hail damaged shingles and from the hail hits themselves, due to the asphalt becoming brittle from being exposed. This will eventually lead to a leak. In fact, the large majority of roofs Ember Roofing replaces have water leaks affecting the decking underneath the roofing system. A large portion of roofs also having missing shingles, which is a result of the shingle becoming brittle from hail damage, and then giving way when hit by high winds. These scenarios will eventually lead to leaks inside the home.


Insurance Process

  1. Verify Damage

  2. File Claim

  3. Contingency

  4. Adjuster Meeting

  5. Adjuster will send scope of work, forward to Ember Rep

  6. Contract Signing

  7. Install (Typically 1 day) 

  8. Other trades

  9. Once all trades complete, Invoice insurance for depreciation and supplements

  10. Final Checks/Google Review

Payment Process

  • 1. Deductible

    Contract Signing - Deductible

  • 2. ACV

    Upon Availability/Day of install - ACV
    (usually around 60% of job)

  • 3. Depreciation

    After all work is complete- Depreciation

  • 4. Supplements

    Once approved after work is complete- Supplements

Ice and Water

OC - Granulated Ice

and Water

Synthetic Felt

U20 Rhino Roof synthetic felt

Available Shingle Upgrades

*Price upgrades are specific to

roof size and layout

Designer

(OC Berkshire, OC Woodcrest, OC Woodmoor)

Standing Seam

Insurance Provides Scope of Work

Ember Roofing COI

Additional Questions? Contact Us!

(682) 430-1261