Commercial Roofs Will Be More Difficult and Expensive to Insure

The following is an excerpt from an article by Jerry Siewert . This article originally appeared on Roofing Magazine.

Early in the evening hours of June 12, 2014, Abilene, Texas, was hit by a hailstorm that covered approximately 40 percent of the town. What made the storm unusual was the size of the hailstones combined with the intensity and duration of the storm. Hailstones varied in size from 2 to well over 6 inches and fell for more than 23 minutes. Most of the stones were frozen rock-hard; some pieces formed when two to three mid-size hailstones froze together.

Some residents reported multiple deck and ceiling punctures with several homeowners reporting stones that penetrated deck and ceiling to smash flat-screen TVs. The damage covered most of the downtown business district; Hardin Simmons and Abilene Christian universities; and a large regional hospital complex, including outlying medical and laboratory facilities. Auto damage was severe and widespread, exacerbated by the large number of visitors gathered downtown for a popular monthly event. There were a few injuries, but no deaths, other than some animals at the local zoo. Initial damage estimates topped $400 million, a sizeable amount for a town of 100,000.

Hailstorms are not unknown in our area though not as common as might be assumed. Since I have been in the roofing business, we have had damaging hails in 1967, 1973, 1988, 2011 and 2014. Our company, now in its 124th year, did not keep records of storms prior to 1967. It has been my experience that no two storms are alike, each taking on a life of its own with regard to how the insurance industry reacts. The last several years, Texas has had major storms in a number of areas, including Amarillo, the Dallas-Fort Worth Metroplex, Austin and Rio Grande Valley. In these areas, roof claims litigation has exponentially increased, driven by a cottage industry of public adjusters, roof consultants, restoration contractors and attorneys, all making a business of inserting themselves between the insurance carrier and the building owner/policy holder. While there can be legitimate need for all these people at times, it does appear some may have crossed the ethical line to shake down insurance carriers with inflated claim demands.

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CRS provides full-service roofing including residential roof repair and replacement services, siding installation and replacement, regular roof maintenance, solar shingle installation, and more to homeowners in northern New Jersey from Bergen County to Somerset and Hunterdon Counties. We are local, experienced, and factory-certified by trusted industry names like GAF and Owens Corning. The experienced team at CRS would welcome the opportunity to serve you with the same level of customer service we’ve provided to thousands of other New Jersey homeowners since 1977. We also offer commercial roofing services to the tri-state area and have been trusted by local business owners to keep their employees and businesses safe through all seasons. 



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