Running a business comes with plenty of worries, and dealing with Austin commercial metal roof damage after a storm is high on the list.
When severe storms and hail roll through, your roof takes the hardest hit—but figuring out just how bad the damage is can feel like a guessing game. Here’s what every Austin business owner should know about spotting damage, filing a claim, and getting the right commercial metal roofing repairs without the headaches.
Once the weather has moved on and the light of day has put everything into focus, the proverbial clock has started ticking regarding property repairs and establishing insurance claims. Furthermore, if the weather was fairly severe, it is likely that many other homes and businesses were also impacted, making for costly delays in getting an adjuster out to survey damage.
Austin Commercial Metal Roof Pros and Cons
Commercial metal roofing repair has found itself steeped in levels of controversy mainly because metal roofs are very good at what they do. They are extremely durable, tough to damage, improve energy efficiency, and are very sturdy. It takes a powerful storm to do significant damage to an Austin commercial metal roof. Obviously, they are significantly more expensive than shingles.
Because they cost much more to install, they inevitably cost more to insure. Even more problematic is that metal roofs have become a battlefield of sorts in terms of insurance coverage. When something does happen to them, insurance has to cover that cost, a step most insurance companies do their best to not have to do. This has led to a number of exclusions made to policies to help sidestep policy responsibilities.
Beware: The Cosmetic Exclusion
The most controversial and impactful exclusion that every Austin business owner needs to be aware of is the Cosmetic Exclusion. Basically this says that if your roof (or other surfaces such as siding) is damaged but it’s determined that it doesn’t compromise the structural integrity of the roof, then it is not covered. However, dents now can lead to big problems later.
Even if the damage doesn’t cause any leaks, visible denting looks unsightly and can decrease property value.
Three Important Takeaways Regarding Cosmetic Exclusions
- Some insurance policies don’t cover cosmetic hail and wind damage.
- Cosmetic damage is usually defined as damage that affects the appearance, but not the function, of your structure.
- A cosmetic damage hail and wind exclusion is not the same as a wind and hail deductible, which is required to get coverage for wind and hail damage.
Get Familiar With Your Austin Commercial Metal Roof
Most, if not all, business owners know little to nothing about the metal roofs on their operations. Things you need to be on the lookout for after a storm include:
- Punctures, dents, and scratches
- Shifting in the fasteners
- Denting in the panels
But here’s the thing — you won’t see everything you need to see. That is the key to all of this. The crucial part to successful commercial roofing metal repair is working with a contractor that knows exactly what to look for in metal roofing. They can also serve as an advocate when working with your insurance company.
Talk to us NOW, before you have damage! THR Roofing Solutions can examine your roof, give you suggestions for care and maintenance, help you decipher your insurance policy, and be prepared in case the unthinkable happens. We are your friend and partner, wanting to save you the most money and get the highest quality repairs in case of damage.
This is where working with THR Roofing Solutions makes all the difference in the world. We make sure your insurance claim takes into account everything that comes with a commercial metal roofing repair. This includes:
- Getting all the coverage your claim deserves.
- Making sure you have access to premium materials for your repairs.
- Ensuring quality installation and craftsmanship.
Call THR Roofing Solutions today at 512-431-6775 or use our webform to request a free consultation.
