Insurance Company Roofing Contractor

Hurricanes are among the most horrific natural events known to mankind. The destruction from winds more than 100 miles per hour can result in downed power lines and broken or toppled trees, either of which could destroy a roof. Some stronger hurricanes even rip roof shingles from their foundation, leaving interiors exposed to violent winds and pouring rain.

Once a hurricane has swept through an area, many survivors and displaced residents immediately begin to file insurance claims. Some of these claims are accurate, but others get filed with insufficient knowledge of the actual damage at hand. To handle each claim accurately and fairly, insurance companies need the input of roofing contractors.

A Roofing Repair Company Insurance Agencies Trust

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In the southeast U.S. and Caribbean islands, claims processing can get hectic immediately after a hurricane sweeps the region. Huber & Associates is the roofing contractor for insurance companies, who rely on our team to complete large roofing repair jobs correctly.

When it comes to processing numerous claims at once in a disaster area, insurance companies often receive exaggerated claims, some of which are deliberately fraudulent and others that are misinformed. At the same time, insurance agents receive a lot of inaccurate info from claimants about the extent of damage to the properties in question. Consequently, insurance companies often have trouble without the expert input of roofing professionals.

Huber & Associates communicates with insurers during the claims process. Insurance companies know Huber can provide quality work to historic buildings, government buildings and large-scale resorts. With each processed insurance claim, we carry out roofing repair work within the timeframe specified according to the latest industry standards and manufacturer recommendations.

Roofing Contractor for Insurance Claims

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In 2017 alone, five tropical cyclones hit the United States. In total, these storms caused an estimated $123 billion in damages, of which insurance covered an estimated $49.1 billion. Throughout the areas that are prone to hurricanes, insurance claim roofing repair contractors serve a vital role in the filing process for all affected properties.

A roof can sustain damage in any type of hurricane, which can range from minor to catastrophic, depending on the category. A Category 1 hurricane produces winds between 74 and 95 miles per hour, which can inflict minor damage on certain types of roofs. If the wind throws branches against a roof, the damage could be more severe.

Storms in the next two categories pose far more danger. A Category 2 hurricane produces winds between 96 and 110 miles per hour, which is powerful enough to knock down power lines and trees, any of which could damage a roof. A Category 3 hurricane produces winds between 111 and 129 miles per hour, which are powerful enough to destroy certain roofs and make many properties uninhabitable.

Anything above a Category 3 hurricane will generally result in calls to evacuate areas in the path of the storm. Few roofs can survive a Category 4 storm, which produces winds between 130 and 156 miles per hour. Beyond that is the Category 5 hurricane, which carries winds of 157 mph or more. In townships hit by Category 5 hurricanes, many roofs either get peeled off into the air or crushed by fallen trees.

Tropical Storm Roof Damage Repairs

In tropical areas, homes and buildings are especially vulnerable to hurricanes. As one of the most hurricane-prone regions of the planet, the Caribbean has seen far more than its share of horrific, high-powered windstorms over the past few decades. For unprotected homes in this region, the risks of damage are most pronounced.

Homes that are subject to multiple hurricanes are liable to sustain immense structural stress, even if the outer damage is not readily apparent at first. As people in these communities struggle to cope and resume life as usual, insurance companies face the grand task of determining the necessary amounts of coverage for each claim at hand.

The contractors at Huber & Associates help property owners and insurers understand the exact scope of damage to each house and building. For islands in the Caribbean, insurance claim roofing contractors do not come more skilled than our team members, all of whom have years of experience in roof damage assessments.

From tropical resorts and hotels to theme park roof damage repairs, our contractors know how to identify roofing damage of all types, including the tiny, hidden stresses that could lead to more dangerous problems down the line.

Hurricane Roofing Damage Repairs

When a hurricane sweeps through an urban area, dozens, if not hundreds, of roofs will incur severe damage. Many of these buildings will be uninhabitable until they get repaired, while many other structures will sustain minor damages that could make the situation uncomfortable for the parties in question. Even buildings that appear from afar to have weathered the storm should still get inspected for damage.

On large buildings such as office spaces and apartment complexes, the damages hurricanes cause could leave hundreds of people displaced and out of work for weeks on end. Hurricanes can tear off roofing and expose interiors to rain, wind and the elements. Consequently, insurance companies face large volumes of claims simultaneously as soon as a hurricane passes through a concentrated area of insured parties.

In some of the more extreme cases, the roof of a house or building will get destroyed outright. This will often happen during hurricanes that spawn tornadoes, where the twisty winds rip shingles and foundations off roofs and ultimately leave the interiors exposed to large, gaping holes. A roof might be one-third intact or wiped out completely, but in either case, the roof would need to be rebuilt, as anything remaining would be too weak to salvage.

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One of the scariest aspects of the destruction left in the wake of hurricanes is the unseen damage left on the roofs of various structures. If a house or building is on the periphery of the hurricane's coverage area, you might see little more than faint traces of damage on the roofs in question. However, when a roof sustains a couple of damaged or lost shingles, it could indicate much worse problems waiting to happen, such as interior leaks or an epic roofing collapse.

For the insurance companies that cover these ravaged areas, the task of processing hundreds of claims at once can be confusing unless roofing professionals can accurately assess the damage. At Huber & Associates, we have handled roof storm damage repairs in storm-ravaged areas for more than 40 years. Our team of contractors knows how to evaluate and adequately assess the extent of damages on any given property.

Dangers and Hidden Problems for Large Roofs After a Hurricane

Some of the biggest threats in the aftermath of a hurricane are those that are hard to see with the naked eye. As many structures sit in ruins, many others appear almost entirely intact, yet shaken at the foundations. The trauma these still-intact structures sustains can have a gradual effect.

For example, a roof may appear unharmed on the surface, yet the support beams and crossbars might have developed cracks due to hurricane trauma. The house itself could be vulnerable to further damage if these beams give way in the future. Even worse, any future stress or tremors could cause the cracks to spread and lead to additional weaknesses.

A house or building might also sustain faint damage a casual observer could easily miss. During a post-disaster inspection, the owner of a building or the inspector from an insurance company might conclude the roof has been unharmed, when in fact damage has been sustained.

For instance, there might be minor chips in the shingles that lead to holes or cracks in the underlying roof panels. A problem such as this could result in leaks that might only become apparent after an insurer has rejected a claim, or after the claimant has accepted an insufficient amount of coverage.

To avoid these problems, it is crucial for experienced, professional roofing contractors to inspect homes, buildings and historic structures. The contractors at Huber & Associates have been performing these kinds of inspections for years on properties in hurricane-torn areas. Our contractors make full and accurate assessments of damages, both visible and hidden, to help insurers understand the full extent of coverage necessary for each situation.

Caribbean Insurance Claim Roofing Contractors

Huber & Associates is a reputable and certified roofing contract company with vast experience in post-hurricane roof repairs. Our contractors assess the damage at each scene accurately to ensure all parties involved in an insurance claim understand the scope of the damage. Our team works with the details of each claim within the guidelines at hand. Once an insurance company has processed a claim, we finish the job within the timeframe stipulated.

For more than four decades, our team has restored homes and buildings in hurricane-torn areas with the following types of roofs:

1. Copper Roofs

Copper is a beautiful and flexible roofing material you will often see on buildings with ornate, unique designs. After a hurricane has damaged a copper roof, the processes of restoration and repair require great care and attention to detail. Therefore, copper roof repairs need the involvement of skilled roofing contractors with years of experience in handling this type of roof.

2. Clay Tile Roofs

Clay roofing is a classic from centuries past that has seen a significant resurgence in the southern U.S. Consequently, many of the homes and buildings that feature clay roofs happen to be in the areas that are most prone to hurricane activity. The repair of clay tiles requires sharp eyes and skilled hands. The contractors at Huber & Associates use handmade clay tiles that last a minimum of 50 years.

3. Stainless Steel Roofs

For nearly a century, stainless steel has been in use as a roofing material on houses and buildings because of its perceived invincibility. Though strong and highly resistant to inclement weather, steel roofing can buckle when hurricanes sweep through an area. As with any roofing type, the process of steel roof repair requires detail and a high degree of skill, both of which are strong suits among the roofing contractors at Huber & Associates.

4. Slate Roofs

Slate is a timeless roofing material that features on homes and buildings of all ages. As a fire-resistant material, slate can withstand instances of fire damage in any given area. However, slate roofing can ultimately succumb to the ravages of hurricane activity. Once contractors have assessed the damage on a slate roof, they must match the color and thickness of the roof in question to restore the house or building to its pre-storm condition. At Huber & Associates, we handle these details with utmost care.

5. Metal Roofs

As with stainless steel and copper, metal is a virtually indestructible roofing material. In regions where inclement weather is a common occurrence, metal is popular because of its ability to withstand winds of up to 180 miles per hour. That said, strong hurricanes can and often do inflict damage on metal roofs. The contractors at Huber & Associates take great care and detail in restoring the unique features of damaged metal roofs.

6. Wood Roofs

Assorted types of wood have been a roofing staple on homes and buildings for many centuries. In the U.S., cedar shingles have long been favored due to the strength and beauty of the lumber, which outlasts asphalt and keeps homes well-insulated for 30 years or more. However, shingles made of cedar and other types of wood are liable to sustain damage in a hurricane. The contractors at Huber & Associates put great care into the restoration of wood shingle roofs.

7. Thatched Roofs

Houses and buildings roofed with thatch have long been a staple in the Caribbean and South Pacific, where people love the style for its ability to blend into natural surroundings. Sadly, thatched roofs are among the worst hit in some of the most hurricane-prone areas. Huber & Associates has vast experience in the design and restoration of ornate thatched roofs.

Insurance Roofing Claims — Areas We Serve

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Huber & Associates is the go-to roofing contractor for hurricane insurance claims in Aruba, the Bahamas, the British Virgin Islands, the U.S. Virgin Islands, Turks and Caicos and other Caribbean territories. With so many locals and tourists congregating in public places and buildings throughout these islands, the potential for damage can be catastrophic. We specialize in resort roof damage repair and hotel roof damage repair. For each repair job, we ensure we complete our work on time and within the budget at hand.

At all the large resorts in the Caribbean, there is vast potential for damage if a hurricane rips off roofing thatch or tiles. If the interiors get exposed to the violent winds from outside and up above, there could be devastating consequences for the patrons and businesses within these resorts. Some cases could require immediate work to prevent severe roof damage from becoming even more catastrophic. Other instances need work in multiple areas to take every last detail into account before the repairs can be considered complete.

Insurance claims filed for large roof buildings are often incorrect because the building owners or insurance agents do not know how to accurately assess the damage in question. For hotels and upscale private residences, the money claimants receive in the aftermath of a hurricane can easily be too high or too low.

The situation is most confusing when damages affect thousands of people, and the insurance companies that cover the area must process hundreds of claims within a few days. Without the input of roofing experts, it is often impossible for the parties involved to make accurate price calculations. Through communication with an experienced, certified roofing contractor like Huber & Associates, insurance companies can more easily handle post-storm insurance claims throughout the Caribbean.

Tropical Resort, Theme Park, Hotel Roofing Repair Company

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Throughout the Caribbean, some of the most extensive and expensive damages of hurricane activity are those on public buildings and spaces. Any place that hosts hundreds of people per week will inevitably have untold amounts of revenue at stake in light of a hurricane that causes major damage. If the place in question must remain closed for an extended length of time, the company or businesses with a stake in the matter will be unprofitable for the timeframe in question.

At tropical resorts in the Virgin Islands, business is a year-round concern, as tourists from the United States, Canada and Europe come down to bask in warm, sunny weather from January through December. Resorts in this region thrive on tourism throughout the year. Sadly, this region is also highly prone to hurricane activity, which places such resorts and all of their thatch-roofed bungalows in danger of immediate destruction should a cyclone take a specific trajectory.

Theme parks in the Greater and Lower Antilles are also in grave danger if a Category 5 hurricane sweeps through the Caribbean. With so many freestanding structures in a concentrated area, nearby rides and fixtures could easily crush buildings and rooftops.

Perhaps the worst-hit businesses are hotels in the Caribbean, which accommodate the thousands of tourists that pour into the region year round. While no one is likely to visit a storm-ravaged theme park in the aftermath of a hurricane, hotels serve a vital function even in the worst of times. For all the tourists who cannot escape the area due to suspended airport services, hotels are the only form of shelter.

For insurance companies, the task of processing claims in these cases can be especially complicated because of all the items and value at stake. Without the input of a third-party roofing contractor, an insurance claim could easily over- or underestimate the full scope of damage.

For obvious reasons, any business in the tropics that serves the public and hosts an ongoing influx of tourists could find itself in a volatile situation in light of a hurricane. With so many liabilities at play, insurance companies that cover these businesses must be capable of attaining accurate damage estimates. With over 40 years of experience in this area, the contractors at Huber & Associates examine the full extent of damages in a disaster scene and help insurance companies accurately assess the costs at hand.

A Roofing Contractor Insurance Agencies Count on — Huber & Associates

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For more than four decades, Huber & Associates has examined shingles and performed repairs to the roofing on a vast range of buildings and houses in some of the most storm-ravaged areas. With our dedication to the roofing craft, we restore roofs to their original condition and style. We complete each job according to the timeframe and budget outlined in the project, all while adhering to local building codes.

At Huber & Associates, we communicate with insurance companies to ensure all parties come out satisfied and each project gets completed according to plan. Contact us today to learn more about our roof repair services.