Hail Damage — Clark Roofing Co The Amarillo Roofing Professional

Hail Damage - Clark Roofing Co The Amarillo Roofing Professional

Texas Homeowners — Save up to 46% on homeowners insurance by choosing a Class 4 Hail rated roofing system from Clark Roofing!

The amount of discount for each class of roofing material is established on a company-by-company basis. Please check with your insurance company to learn the discounts available for Class 1, 2, 3 or 4 roofing products.

NOTE: To qualify for the credit, roof coverings must be tested by an approved laboratory. Roof coverings that have passed the UL Standard 2218 test are classified as either Class 1, 2, 3, or 4. A Class 4 roof covering receives the highest premium credit. The list of approved laboratories is shown below.

NOTE: As you contact various contractors or suppliers, you should ask about roofing materials that meet UL Standard 2218. Below is a list of manufacturers of roof coverings that TDI has verified as meeting the new discount requirements and the UL Standard 2218 test.

IMPORTANT NOTICE: After January 1, 1999, 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 1, Class 2, Class 3, Class 4) of the product under U.L. Standard 2218. the manufacturer’s name. the year manufactured. the brand name of the roofing product.

Roofing materials that do not comply with this requirement, even though they meet the required impact-resistance standard, DO NOT qualify for the roofing discount.

*Roofing materials may be in the form of shingles, tiles, shakes, panels or sheets.

NOTE: The Texas Department of Insurance does not endorse or recommend any product.

    Due to numerous requests, we are providing the list as a service. Other qualified products not on the list may be available.

We plan to update this list periodically and will discontinue this listing once the information is readily available. Please keep in mind that additional qualifying products may become available but not be added to this list immediately.

Hail is a peril that threatens all but a handful of states in the United States, but it doesn’t strike all areas equally. Since 1980, the country has averaged 3,000 hailstorms a year, with four states accounting for 42 percent of the total. Texas, 500 per year; Oklahoma, 400; Kansas, 225; Nebraska, 135.

Texas officials estimate that up to 40 percent of all homeowners insurance claims in that state result from hail damage. While the Midwest and Great Plains states have the most hailstorms, Colorado has the most storms with large-size hail (diameter greater than 1.5 inches). So even though Colorado has fewer storms, the storms that occur cause more damage. (The largest hailstone ever recorded — more than 6 inches in diameter — fell in Kansas in 1970.)

Among State Farm’s 25 highest claim payouts in history, eight involved significant damage caused by hail. The company’s fifth-largest payout for a single catastrophic event occurred in 1992 — about 68,000 claims totaling nearly $245 million resulting from a hailstorm in Fort Worth, Texas. Only four natural disasters have caused more losses to State Farm customers: Hurricane Andrew (1992) in Florida, $3.6 billion; Northridge earthquake (1994) in Los Angeles, $3 billion; Hurricane Hugo (1989) in South Carolina, $424 million; and wildfires (1991) in Oakland, Calif. $386 million.

Lost in these large numbers is the number of repeat claims — resulting in payments to the same customers for the same type of repairs from the same type of hailstorms. There are some areas of the nation’s hail belt where homes have been reshingled two and three times during a 10-year period.

While a hailstorm usually strikes a relatively limited geographical area, there are parts of Texas, Oklahoma, Kansas and Nebraska where hailstorms average six strikes a year or more. Clearly, the same houses are exposed to these storms. They are likely to receive damage.

As a result, home insurance coverage in these regions has become expensive. As premiums rise, both insurers and their policyholders become concerned.

To help combat rising premiums, insurance companies look for ways to prevent future damage. They also look for ways to limit the amount of damage when losses occur.

Customers often look to lower their premiums — often by raising their deductibles (the amount the customer pays for each claim). That can reduce the customer’s insurance bill, but it also reduces the amount of the claim payment. The customer pays the deductible.

A better course — because of its long-term implications — is damage prevention and reduction. Prevention means eliminating the cause of loss — not practical when it comes to hailstorms and roofs. Reduction means minimizing damage when a loss occurs.

For hailstorms, insurers believe the best way to minimize damage is use of roofing materials that better resist hail damage. Breakthroughs in technology and standardized testing are contributing new materials expected to more effectively resist hail damage.

Roof systems

All roof systems have six basic components:

Roof structure — Rafters and trusses that support the roof.

Deck/sheathing — Boards or sheet material fastened to the roof rafters.

Underlayment — A sheet of asphalt-saturated material that provides a second layer of protection for the roof deck.

Roof covering — Exterior roofing materials (such as shingles) that protect the sheathing.

Drainage — The ability to shed water, primarily a function of design (shape, slope, layout).

Flashing — Sheet metal (usually) laid into the joints and valleys of a roof to prevent water seepage.

Finally, some new materials will cost more, even in mass production. This is evident in the new resins and urethane foams used in their construction. New shingles may also require more labor at installation. However, some impact-resistive, asphalt-based products will add as little as 10 to 15 percent to the cost.

Clearly, if impact-resistant roofs become widespread, everyone could benefit. Homeowners not only save money through the discounts, but they also reduce the hassle of recovering from storm damage. That helps insurers keep premiums as low as possible for customers. Roofers will have fewer maintenance problems and customer complaints.


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