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Frequently asked questions

  • How does hail damage a roof?
    Asphalt shingles are designed with protective mineral granules that block the UVs of the sun and protect the underlayment. Hail damage can cause severe granule loss, material removal at the edges of the shingles, and penetration to the shingles; all of which prematurely age the life of the roofing structure.
  • Can I tell if I have hail storm damage to my roof from the ground?
    Usually, you cannot spot hail storm damage to your roof from the ground. You will be able to easily spot damage to your siding or gutters; and it is safe to assume that if there is visible damage to your car, windows, siding or gutters, your roof most likely has hail storm damage as well. Since hail damage is not always immediately evident, it is wise to contact a local, professional roofing contractor in Oklahoma, who specializes in roof hail damage to evaluate the extent of damage after a storm.
  • If I think I have hail damage what should I do?
    You should immediately call Destiny Roofing, or another reputable roofing company who specializes in hail storm damage, to come inspect your roof. You should also call your insurance company and ask for an adjuster to perform that same inspection. Destiny Roofing will help you to document the hail storm damage and we will work directly with your insurance company to see that the hail damaged areas are repaired or that your roof is replaced, if needed.
  • Will I need to get my roof replaced right away?
    Not necessarily. A new roof may not be required, depending on the hail storm damage. You might only need a roof repair to replace some of the damaged shingles. Even if you don’t need a complete roof replacement, this is a roofing repair job that should be left to the professionals. Replacing a single shingle should be done with the utmost care so the surrounding shingles are not compromised. If you do need a roof replacement, however, many insurance companies have a statute of limitations of how long a hail claim is viable. Most of them only allow up to a year after a storm to file a claim. If you have experienced a loss such as hail damage, it is wise to seek the help of a local, reputable Oklahoma roofing company to take care of the problem in a timely manner before it leads to other associated problems.
  • Why would my insurance company replace my entire roof?
    The purpose of homeowners insurance is to protect the homeowners against losses due to damage that is beyond their control. In most cases, hail damage will result in a full roof replacement because the insurance providers know that a new roof is more cost-effective than replacing all of the valuable contents inside the home after the hail damage caused the roof to eventually fail.

Claims Assistance

Destiny Roofing has been working with insurance companies for years and we understand what they need in order to process a claim efficiently and properly.

Here are a few tips for you to follow when working with your insurance company:

  • Call Your Insurance Agent: Report the damage to your agent and request an inspection and evaluation of the loss.

  • Secure Your Property: Most insurance agencies will cover temporary repairs to protect your home from further loss or damage. Before any work is done, we suggest taking photographs of the damage and loss.

  • Select Your Contractor: To protect your best interest, you should always choose a contractor that is local and that carries general liability and workers’ compensation insurance for that area. There are so many contractors that claim to be local when in actuality, they are not. Many come into town after large storms, rent an office space for a couple months, and claim to be local. So always ask to see verification of their insurance policies; if they are new policies, ask to see documentation of the previous years. Also, to ensure your peace of mind, you should choose a contractor that is familiar with the insurance claim process and can help walk you through the process and paperwork.

  • Adjustor Meeting: To ensure that your contractor and the insurance company are in agreement with the scope of the damage, and to make sure that your needs are met at a price that both agree upon, the two should meet at your property to evaluate the damage.

  • Call Your Mortgage Company: Be proactive! You should call to advise them of your claim and inquire about their procedures for draft endorsements and the contractor’s affidavits, lien releases, etc.

  • Send Insurance Check to Mortgage Company: The insurance check typically requires two endorsements, the insured and the mortgage company. Do not endorse it first, send it to the mortgage company and request their endorsement and rapid return of the check. This can help speed up the process.

  • Review and Schedule Project: After you and your contractor have agreed on the scope of the project and the terms of the claim, you should schedule the work to begin immediately.

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