Impact Resistant Roofing in Texas
Impact Resistant Roofing
Waterview Construction Company in Garland, Texas way back in the eighties, the high incidence of roof damage by hail in his native state must have made him look for impact resistant roofing material for his customers. At the same time, we could jolly well anticipate the tussle between the insurance companies and the claimants over payouts for such catastrophic incidents where he may have to one day negotiate on behalf of his clients. Nevertheless, he felt undaunted in lending his hand to such ventures as he already had his Texas State Property/Casualty Adjustor’s license in his pocket.
But let us, in the mean time, take a look at the federal records which indicate that the country had, since 1980, averaged at 3,000 hailstorms per year with Texas recording 500, Oklahoma 400, Kansas 225 and Nebraska 135 respectively. Insurance executives in Texas, incidentally, are of the opinion that around 40 percent of homeowner’s insurance claims in the state relate to hail damaged roofs. Damage to roofs due to hail, however, also depends on the intensity of the storm and dimensions of the hails. For instance, while the Midwest and the Great Plains states get the lashings ruthlessly, Colorado gets more affected by hail because of higher hail dimensions (more than 6 inches). The reason behind familiarizing you with these details is chiefly to make you appreciate the usefulness of impact resistant roofing material that could have prevented causing such colossal losses, had these been used in most of the homes.
However, coming back to Texas hail storm, insurance claim for hail damaged roof and the need for impact resistant roofing, we find three separate issues that are discussed below for the befit of the readers.
1. Hail storm in Texas
Yearly hailstorms are highest in Texas, as compared to other US states. According to one report dated March 30, 2009, a severe hail storm that ‘swept in from western Burnet County pummeling Marble Falls with golf ball size hail …. Knocked out windows, smashed roofs and dented thousands of automobiles causing an estimated $160 million in insured losses’. On May 5, 1995, hail storm over Dallas and Fort Worth caused $1.1 billion insured loss with hails about the size of softballs. During April 20-21, 2006 hail storm over San Marcos resulted in 10,000 auto claims, 7,000 homeowner and commercial property claims ranging from $100 to $160 million insured losses.
2. Insurance claim for hail damaged roof in Texas
According to a major insurance company agent, the company’s ‘fifth-largest payout for one single catastrophic event occurred in 1992’ that had resulted in 68,000 claims averaging around $245 million due to hail storms in Fort Worth, Texas. Added on to these are repeat claims which mean payments to the same insured for similar type of repairs and for a similar type of disaster – hail storm! In some areas, one insurance company CEO remarked that several homes were re-roofed 2 to 3 times within a 7-year period.
3. Impact Resistant Roofing
Although impact-resistant roofing materials look more or less similar to their common counterparts, they are manufactured in such a way that they can withstand avalanches of hails hitting them with tremendous force. In some cases they are tested with steel balls hitting them in factory induced open air field laboratories. To be precise, impact-resistance roofing materials are classified into 4 distinct groups or classes, namely, Class-1, Class-2, Class-3 and Class-4 as indicated through U.L. Standard 2218.
However, to become certified in Texas as impact resistant roofing, the material or the product should meet the state Underwriters Laboratory testing criteria under designated UL-2218 where they are usually marked as one of the above mentioned four groups or classes. The highest quality is denoted by the tag bearing class-4 which is considered to be the best impact-resistant roofing material