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Commercial Roof Hail Damage Assessment

Commercial Roof Hail Damage Assessment For Insurance Claims

Commercial hail damage to a commercial property can cause significant damage diminishing the effectiveness and roof life of the structure.  Depending on the size, density, direction, and duration of a storm, a wide spectrum of components of a property can sustain damage. While some damage is severe and self-evident, other damage may be discreet and harder to detect. A thorough and comprehensive investigation of damage is paramount to ensuring nothing is missed, and that everything is addressed in the outcome of a commercial roof insurance claim.  At Prime Adjustments, we pride ourselves on investigating every detail, making sure that all damages reasonably attributed to hail are accounted for and included in our representation of loss to an insurance carrier.

Commercial Roofs
Commercial roof systems vary significantly in their construction, age, and susceptibility to hail damage.  It is important that your public adjuster understands how to assess damage to all types of roofs.  While some roof systems will exhibit damage visibly, others require intrusive testing in order to definitively determine whether or not damage occurred.  Our public adjusters at Prime adjustments have vast experience in assessing and quantifying damage to low-slope and flat commercial roofs.  When assessing a commercial roof system many times there’s damage to the soft metals up on the roof.  After the inspection we will be honest with the policyholders and let them know if it’s advantageous for them to file a claim.  Many time it does not make sense to do so depending on the damage and their policy language.

Elevations
Every building envelope is unquestionably unique in its design and construction, and is impacted by asymmetrical weather conditions in varying ways.  Conducting a thorough investigation of the sides of a building or buildings is crucial in determining an accurate representation of damages and repair prescription.  Directionality, duration, and severity of a hail storm can have varying effects on different building materials. Whether is it damage to EIFS, storefront windows, overhead doors, metal wall panels, or simply paint, Prime Adjustments provides the documentation to ensure no damage of the hail claim is overlooked by an insurance carrier.

Commercial Interior Damage
Whether an industrial warehouse, retail center, or multifamily property, interior damage from hail is an urgent matter.  When it comes to addressing interior damage in the form of moisture intrusion, determining the full extent of damage and point of entry is paramount to mitigating further damage and addressing the source of the issue rather than the symptoms.  Our commercial roof assessment uses proven methods to not only account for where interior damage is presenting itself, but also to identify the source and define an appropriate repair.

Signage
Branding is extremely important to the recognition of a company and the professional presentation of a commercial property, especially retail establishments.  Signage is covered under most commercial policies and is often overlooked in light of damage to a building and the continuation of normal operations.  Additionally, most signage and branding is secured through a specialized, and local company to the company or property.  Prime Adjustments will research and work with an insured’s trusted or preferred vendor to secure accurate specifications and pricing to make sure any damaged signage is replaced like, kind, and quality with what existed prior to the loss.

Common Commercial Roof Types

  • TPO
  • EPDM
  • PVC
  • Built Up (BUR)
  • Modified Bitumen
  • SPF (Foam)

Common Insulation And Cover Board Substrates

  • Polyisocyanurate (“ISO” or “Polyiso”)
  • Expanded Polystyrene (“EPS”)
  • Extruded Polystyrene (“XPS”)
  • Rigid Fiberglass Insulation
  • Fiberboard
  • Perlite
  • Glass Matt Gypsum (“Securock” or “Densdeck”)

Common Installation Methods

  • Mechanically Fastened
  • Fully Adhered
  • Ballasted/Perimeter Adhered
  • Hot Mopped
  • Torch-Down
  • Self-Adhered

Single Ply Membrane Roofs (TPO, EPDM,PVC)

  • Primary Damage Concern: Substrate
  • Damage is typically exhibited as fractures to Iso facer, loss of adhesion, crushed gypsum, and fractures to the reverse of cap sheet corresponding with hail spatter or oxidation will typically be the best indication of hail damage.
  • Secondary Damage Concern: Surface/Membrane
  • Due to the elasticity of these types of roofing materials, it is rare to see ruptures to the membrane caused by hail. One exception is with PVC, where the plasticizers migrate with time, and hail damage may be exhibited on the surface of the membrane, in the form of concentric circle.

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