How to Select a Contractor For Your Protection

“Reputation - Stability - Workmanship”



General Liability Insurance Certificate - Not "Self-Insured"
You need to know if your contractor carries general general liability insurance for both commercial and residential projects. A sizable contractor will carry no less than $500,000...and usually around $1,000,000 of coverage. If you contractor's insurance policy cannot cover potential damages, then the contractor would be personally liable. If he cannot cover the damages himself, you will again have no legal recourse and will end up paying for the repairs or even a new roof yourself. Over three-fourths of roofing companies do not carry proper insurance coverage to protect you against losses.

Current References
All reputable roofers carry pre-printed lists of references…that includes customers from 1 to 5 years ago. Also, ask for suppliers, business references, etc.

There's Only a Circumstances Where You Should Give Cash Up Front…And Only 2:
Reputable roofing contractors will not need cash up front for 99% of all jobs they do. The only circumstances that would make it necessary are if you special order non-returnable roofing materials, or insurance does not cover your repairs. Be careful of contractors who ask for money up front, especially if your roof is standard wood, composition, or tile shingles. This is the number one area of fraud among contractors.

Trade Association Certificates of Standing
Belonging to trade associations implies some quality and ethical integrity on the part of the contractor. Associations like the  Better Business Bureau.

Use Only Certified Installers On Your Roof
You want an experienced roofing crew that knows the manufactures specifications and completes the job in a timely manner.

Compliance to Manufacturer Installation
Guidelines Quality Inspection and Warranties

Insist on a final inspection and the manufacturer and workmanship warranties in writing after the job is completed.

Tips On Working With Your Insurance Company
As soon as you feel your home has incurred damage, you should contact your insurance company's 800 NUMBER, NOT YOUR AGENT to request an inspection.

Your insurance can authorize any temporary repairs necessary to prevent further damage to your property.

The Insurance Claims Process
Contact your insurance company direct if you feel you have a loss.

​Hail Size Versus Typical Damages

​Hail Size Versus Typical Damages


1/2" Diameter and Smaller
Few, if any roofs damaged. Leaves stripped from bushes and trees; crops destroyed. Oxidation coatings on paint, wood, and metal spattered. Thin polyvinylehloride coatings on roofs cracked or broken. Thin aluminum vents, fins on air conditioning units, lead sleeves on soil stacks, window screens, and aluminum awnings dented.

3/4" Diameter
THRESHOLD SIZE FOR DAMAGE TO ROLL ROOFING AND DETERIORATED COMPOSITION SHINGS, especially where unsupported. Painted wood surfaces and deteriorated gray-black slates (especially at corners) chipped; most aluminum vents, flashings, valleys and siding dented.

1" Diameter
THRESHOLD SIZE FOR DAMAGE TO MOST LIGHTWEIGHT COMPOSITION SHINGLES. Thin and/or deteriorated wood shingles and shakes occasionally punctured or cracked. Singl pane windows and thin skylight shells cracked or broken.

1 1/4" Diameter
THRESHOLD SIZE FOR DAMAGE TO MOST HEAVY COMPOSITION SHINGLES, WOOD SHINGLES, AND OLDER MEDIUM SHAKES. Blisters and other unsupported areas on built-up roofs punctured. Automobile body metal dented and (rarely) windshields cracked. Galvanized metal vents dented. Thicker skylights cracked or broken.

1 1/2" Diameter
THRESHOLD SIZE FOR DAMAGE TO CLAY TILE, SLATE, AND NEW MEDIUM SHAKES. Serious denting of automobil body metal.

1 3/4" Diameter
THRESHOLD SIZE FOR DAMAGE TO NEW HEAVY SHAKES. Metal vents caved in. Bare spots on built-up roofs bruised or punctured.

2" Diameter
THRESHOLD SIZE FOR DAMAGE TO NEW JUMBO SHAKES, MOST CONCRETE TILE, AND UNBALLASTED BUILT-UP ROOFING ON FLEXIBLE UNDERLAYMENT. (Note: Testing stopped at 2" stores. Gravel-ballasted, three-ply with base membrance were not damaged by 2" diameter stones, regarless of the underlying insulation system.)

These guidelines are for hard ice hailstones that strike the affected material perpendicular to it's surface. These general guidelines apply in most circumstances, but there are exceptions. In order to quantify hail damage accurately, test squares should be drawn on the roofs, and the number of hail-damaged units counted in each square.

(Source: Haag Engineering Co. 2455 McIver Drive Carrollton, TX 75006 REV JAN 94)

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