Did you know that there is a research center dedicated to testing and evaluating the performance of roofing shingles against hail damage? The Insurance Institute for Business & Home Safety (IBHS) is at the forefront of conducting these tests to provide valuable information to homeowners and insurance companies.
Our agency recently had the opportunity to visit the IBHS and learn more about hail damage and the roofing products currently available on the market. It was eye-opening to discover the importance of selecting the right shingles for your roof, especially when it comes to protecting your home from severe weather.
One of the key facts we learned is that not all shingles labeled as impact resistant actually perform well against hail. It is crucial to choose shingles that have been rated as Good or Excellent by the IBHS for their ability to withstand hail damage. These high-performing shingles also meet the UL Class 4 impact-rated standard, which may even qualify you for an insurance discount.
To help homeowners make informed decisions, the IBHS provides shingle ratings on its website. This resource allows you to easily find the ratings of different shingle brands and choose the ones that provide the best protection against hail.
When it comes to replacing your roof, there are several important factors to consider. Firstly, it is essential to select a reputable, bonded, licensed, and insured roofing contractor. Getting multiple estimates from different contractors is advisable, and it’s essential not to allow a contractor to pressure you into making a hasty decision.
Additionally, it is recommended to choose a roofing contractor who is a member of the National Roof Contractors Association (NRCA) as they are typically up-to-date on the latest industry issues and product requirements. Many roofing manufacturers also offer training and certification programs for roofers who install their products, so it’s a good idea to inquire about their qualifications.
In some cases, your local government may require a permit for re-roofing. Ensure that the roofer you hire obtains the necessary building permits before starting the work to avoid any legal issues.
As insurance advisors, we understand the importance of working with families to ensure they have adequate coverage for their homes. We encourage you to reach out to us for an insurance review or to discuss any aspect of your current coverage. At Flury-Hinderks Insurance, customer education is a priority, and we are always happy to review your coverage and provide guidance.
If you do not have a good relationship with your current insurance agency or are looking for a new agency, we invite you to connect with us for an insurance portfolio review. We are dedicated to providing excellent customer service and helping our clients make informed decisions about their insurance needs.
Protecting your home from hail damage starts with selecting the right roofing shingles. By considering the performance ratings provided by the IBHS and working with a reputable roofing contractor, you can ensure that your home is well-protected against severe weather conditions. Don’t hesitate to reach out to us for assistance and guidance in securing the right insurance coverage for your home.