Roof Damage - Am I Covered by Homeowners Insurance? Do I need a Public Adjuster?

Missing Shingles
Even one shingle missing on a roof can cause severe leaking into your home. Shingles usually blow off in wind storms, and when they do, they often tear away pieces the tar seal. Many times, in order to fix that shingle, other shingles around it will need to be fixed. The insurance companies love to pay for “patch jobs” or just a square or two of new shingles, but this won’t restore your home. Call ACI Adjustment Group for a free inspection to see if your missing shingles and subsequent damage may qualify you for a roof replacement!

Hail Damage
When hail impacts a roof, it is similar to an asteroid colliding with earth. The granules that are placed on top of the asphalt shingle will come off in chunks. These the granules are the protective shield for the shingle. Without those granules, the shingle will be susceptible to weathering from the sun, wind, rain, snow and ice. Ultimately, a hail damaged roof has another summer or two before it needs replacement. Call ACI Adjustment Group to make sure your roof gets covered properly by your homeowners insurance company.

Damaged Gutter/Flashing
Gutters can blow off in windstorms or be torn down by falling trees. Flashing protects the wooden structure of your roof, but when heavy winds carry your flashing away, it leaves the interior of your roof open to the elements, often causing leaks. ACI Adjustment Group will get you covered. Call us today for a FREE inspection for damage resulting from damaged gutters and flashing.

Tree/Branches on Roof
A tree down on a roof is an obvious claim, but just getting coverage isn’t the issue with these claims. You need a Public Adjuster to ensure that you get the full scope of work covered. Many times the insurance companies will try to “patch” a portion of the roof or deny portions of coverage. ACI Adjustment Group fights for full replacement.

Ice Damming
Ice damming occurs when snow and ice build up in the gutter underneath the shingles. Snow and ice will create a barrier that will not allow your roof to drain properly as the snow melts. The melting water will have no way of escaping from the roof, and it will find a way underneath more shingles as it melts, freeze overnight, and allow for more water to get into the home as snow melts the following day. This cycle will continue as long as snow is on the roof, and it can devastate a roof. You need a Public Adjuster to ensure that you get coverage for full replacement. Call ACI Adjustment Group for a free inspection to see if your damage may qualify you for a new roof!

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