Many people who live in Austin, TX, have to constantly withstand high winds, which lead to premature roof replacement due to hail damage. This can be extremely costly, as roofing material is often highly demanded and may make you spend thousands of dollars in only one year. However, this is because people use regular asphalt shingles instead of impact-resistant shingles. These impact-resistant shingles are meant to take hail damage without breaking and prevent premature roof replacement.
However, many impact-resistant shingles companies charge incredibly high prices for their products, which raises the question, “are impact-resistant shingles worth the investment?” The truth is that these class 4 impact-resistant shingles are thoroughly tested with steel balls, which makes them much more durable against hail impact than traditional shingles or other roofing products in the roofing industry, which translates into fewer roof repairs. So read more as Water Damage and Roofing of Austin discuss the topic further.
Learn More about Impact Resistant Roof Shingles (IR)
Class 4 impact-resistant shingles may tolerate more intense weather, which gives them a massive advantage over any other shingle type. That is why sometimes they are referred to as IR or impact-resistant shingles.
Therefore, these shingles are meant to guard your roof against major leaks and any damage that would need you to spend vast amounts of money on repairs.
All shingles must pass rigorous testing to receive this certification. In order to be ready to sell to the general public, the test must be conducted at a national level by expert organizations and is used to rate the quality and resistance of each shingle type.
The grading of the shingles’ impact resistance is based on how well they do in the previously mentioned test. Shingles must withstand two strikes from a steel ball with a diameter of 2″ without displaying any sort of structural damage to achieve a UL Class 4 impact-resistance certification.
Therefore, the shingle’s entire surface must be free from deterioration, such as cracks, tears, fractures, or splitting. This includes its internal and posterior areas as well.
The rating of the shingles is reduced if they function inadequately or are damaged. The least resilient shingles belong in class 1.
What Is the Price of Class 4 Impact-resistant Shingles?
Due to contrary belief, these shingles are relatively inexpensive compared to standard architectural shingles. They are even less expensive than many high-end or luxury asphalt roof shingles.
The total cost of installing impact-resistant shingles will depend on several factors, so it isn’t easy to give a numerical estimate. Still, some of the factors you must be aware of are the following.
- Your location
- The manufacturer
- The length of the roof
- How many shingles will you need
- The time the contractors will spend doing the job
- The state of your current roof
- The specific features of the shingles you chose
However, the price to install conventional shingles VS. impact-resistant shingles should be mostly the same when done by an expert.
Different Grades Roofing Material of Shingles
There are three product grades to choose from when buying roofing shingles. They are separated into affordable, moderately priced, and expensive shingles depending on several factors, such as price, durability, etc.
Shingles can be classified into the following types, and each one of them offers different benefits.
This type of shingles, also known as dimensional shingles, offer more dependable roof protection since they are made using more sophisticated technology and materials. They last longer than other shingles, as they are much more robust. Architectural shingles also often come with higher warranties.
Architectural shingles’ improved aesthetic and frequent resemblance to high-end roofing materials is a huge advantage.
These shingles are highly popular in the US, as most homeowners select them based on their high quality and durability level.
These are the cheapest shingles you will find. Their name derives from the three-tab pattern on each one. Nonetheless, their warranties tend to be pretty short and are highly prone to breaking due to their lack of thickness despite being used for many years by building contractors.
Still, they are a wonderfully affordable alternative for starter houses. They operate best in warm areas with slight temperature and environmental changes.
Luxury and Premium Asphalt Shingles
The best products available are premium shingles. However, they also feature incredibly high prices. They come in a more extensive range of forms and are much more durable than the previously mentioned varieties. Many homeowners also choose them because they offer more design options and extended warranties, and they also help them prevent costly repairs.
Moreover, this thickness grade is seen in several premium types that imitate premium roofing materials. However, because thicker shingles weigh more, installation is sometimes more complex than less expensive shingles.
What Is the Difference Between the Most Popular Shingle Types?
Shingles’ impact resistance relates to their capacity to withstand harm and impact from bad weather conditions. This resistance is measured through a test in which experts let a steel ball fall on the shingle several times. The test findings make it simple to distinguish all shingle classes from each other.
In most cases, shingles receive a Class 3 if they remain intact after being struck twice in one area by steel balls. However, a Class 4 is only given to those shingles that sustain no damage at all.
If you want to ensure your house is as protected as possible, we highly advise choosing Class 4 impact-resistant shingles. This way, you will stop wondering, “are impact-resistant shingles worth the investment?”
Should You Get 4-Class Shingles?
These shingles are best for people who reside in an area where severe weather is regular and significant damage to people’s roofing is frequent, such as Austin, TX; getting Class 4 shingles can often be a prudent investment.
Every year many Americans have to deal with roof damage due to terrible weather conditions, although certain regions are more vulnerable to hurricanes and storms than others. That’s why getting Class 4 impact-resistant shingles is advisable if you live in one of these areas.
Where to Get the Best Roofing Materials in Austin, Texas
If you’re looking to prevent premature roof replacement, you should get class 4 impact-resistant shingles, as they can withstand high winds and hail damage. These impact-resistant roofing products will take hail impact and help you forget about damaged roofs.
Stop asking yourself, “are impact-resistant shingles worth it?” and check it out yourself. All you have to do is call Water Damage and Roofing of Austin, and we will be there to install your class 4 impact-resistant shingles.
Investing in roof maintenance is one of the best things you can do if you want to save money from roof repairs and replacements in the future. Nonetheless, some situations are either unpredictable or unstoppable and when those situations strike, you have to spend some money on roof repairs.
We are, of course, talking about things such as hail damage, storm damage, and wind damage. However, what can you do if you don’t have enough money to repair the roof? The answer is to file a roof insurance claim to get enough money for the replacement or repairs needed.
Unfortunately, many people are scared to contact their insurance company to claim their homeowner’s insurance since they think that could cause problems, such as losing discounts in the future. The truth is that even if the process to contact your insurance company can be stressful, you should do it.
Do you want to benefit from homeowners insurance? It’s time to contact a roofing contractor to help you with the matter. Here at Water Damage and Roofing of Austin, we are happy to help you, so call us and tell us how we can help you!
How Prone Are People to Suffer from Roofing Damage in Austin?
As we mentioned before, homeowners insurance is there to help you when unforeseeable issues damage your roof, but how prone are those issues to happen in Austin?
You have to consider the time of the year we are in since everything depends on the weather. Regarding hail, hail, for example, is not as common as other weather phenomena that could damage your roof. The last hail in Austin was on March 21, 2022.
On the contrary, thunderstorms are much more common in this city, so storm damage could be a good reason to contact your insurance company and file a roof damage claim. Austin gets several sudden storms throughout the year, so insurance companies are used to roof insurance claims coming from this problem.
Wind damage is prone to happen in April since it’s one of the windiest months of the year in Austin. However, you shouldn’t worry about things such as tornadoes or hurricanes since, although they can and have happened, they are not as common as other thunderstorms or other weather phenomena.
Is the Roof Insurance Claim Process Complex? How to Deal with the Insurance Company
The short answer is that it depends on how severe the roof damage is and the insurance adjuster you deal with. On a basic basis, the process to contact your insurance company and file a roof damage claim shouldn’t be that complex, and you should only need to file the claim and get the benefits of it.
Nevertheless, insurance companies don’t approve all insurance claims, so things get a bit trickier if you want to make a roof damage claim you know your insurance company will approve. This often includes handling some paperwork and studying your insurance policies and what they cover.
Going through the insurance claim process becomes much easier when you rely on a roofing contractor or insurance agent who can help you deal with the insurance company. The reason for that is they will explain every step of the process to you and tell you what you should do to avoid making any mistakes while filing the claim.
When addressing other situations, such as car insurance, people have even called lawyers to help them get the insurance company to get them the money they deserve since insurance companies often do what they can to avoid paying for insurance claims.
Regardless of that, you should be good to go with a decent roofing contractor or an insurance agent.
Can I Get the Actual Cash Value of What I Lost with a Roofing Damage Insurance Claim?
Actual cash value coverage is one of the things people benefiting from homeowners insurance aims for when filing a roof damage claim. The reason for this is many insurance policies don’t pay you the value of what your roof may have cost you in the past but rather what it’s worth today.
Setting cars as an example, if you got a car for $10,000 when the car just came out, and five years later the car is worth $7,000, the insurance company will give you $7,000 for the accident, which is $3,000 short of what you invested in the first place.
Nonetheless, if you have actual cash value coverage, you can get the full replacement cost of what you need to pay for the roof, so you won’t have to take money out of your own pocket to repair roof damage.
This is something you have to negotiate with your insurance provider and see if the insurance company you enrolled into offers you that. If it does, you and your insurance agent should do your best to get that since that would be the best-case scenario.
How to File a Roof Insurance Claim
Getting to the main part of this article, it’s time to learn the steps to deal with your insurance provider and file a successful roof insurance claim. If you follow all the steps listed below, you won’t have any issues throughout the process.
Study Your Roof Damage and Document It
You should always assess your roof damage and document it before contacting any insurance adjusters since this could give you an idea of what they are going to tell you and what you can ask them to give you.
Make sure you know how the insurance policies you enrolled to work and what they include since you can’t ask for something they didn’t offer in the first place. Taking pictures and videos of the roof damage right after it happens is also helpful to prove that everything happened due to an unforeseeable situation.
You should include all those pictures and videos in your insurance claim.
Contact Your Insurance Agent
Contacting an insurance agent or advisor is a key part of getting insurance funds for roof damage since they will tell you the dos and don’ts of filing a claim and talking to an insurance adjuster.
Call a Roofing Company
Naturally, you need someone to take care of everything and give you a budget for how much money you need for the replacement. This will help whether you get a regular insurance claim or a replacement cost coverage. Water Damage & Roofing Austing is always available for you, so don’t hesitate to call us to schedule a consultation with us.
File the Roofing Insurance Company with the Help of Your Insurance Agent
The insurance agent you hire will help you handle all the paperwork needed for the roof claim, so don’t worry about it, as long as you have one to help you.
Schedule an Appointment with an Insurance Adjuster
An insurance adjuster should contact you as soon as they receive and study your roof claim. When that happens, they will try to schedule a meeting with you to check the damage and see how the insurance company can help you.
Even if your insurance company gives you replacement cost coverage, you will need a reputable contractor who offers roofing services of top-notch quality. Doing this will help you handle temporary repairs and prevent any further damage from happening.
Water Damage and Roofing Austing has the reputable roofing contractor you need, and you can count on us to perform a roof inspection, repairs, estimate, replacement, and anything you need to address your roof-related needs!