Frequently Asked Questions
about Storm Damage Claims

Q. My roof is only a year old, can hail damage a new roof?

A. Well, there are many factors that may affect how prone it may be to damage, but in short, yes it can. Should a new 30-year roof be damaged, the life expectancy of the roof may be compromised by as much as 40%, leaving you with an 18-year roof.

Q. At what speed does hail fall?

A. The combination of gravity and a downward wind known as downburst (a common occurrence during thunderstorms) can propel a hailstone with speeds upwards of ninety miles per hour.

Q. How large must hail be in order to damage a wood shake roof?

A. Test conducted on wood roofs generally demonstrate that hailstones 1 ¼ inches in diameter will split wood shingles that are not in good condition. Hailstones 1 ½ inches in diameter and larger are required to split wood shingles in good condition.

Q. How do I know if I should file a claim?

A. First, a pre-claim inspection should be conducted by a trained Taylor Field Rep. to avoid unnecessary inquiries documented by your insurance provider.

Q. Will my premiums go up if I file a claim?


A. When a particular area is subject to a catastrophe and it is determined that premiums should be increased, premiums will be increased whether or not you've had any work done.

Q. What happens if my adjuster has denied my claim?

A. If it is the opinion of your Taylor Construction Representative, we do have the ability to request a re-inspection.

Q. Can a claim be filed after my claim period?

A. No, all claims must be filed within the claim guidelines that should be stated within your insurance policy.

 

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Muncie Area 765-216-7766

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