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Why Insurance Covers Damage and What Damage Storms Can Cause

Tracking And Locating Storms/Damage
How to be ready and find the storm paths when it is time.

How Hail Develops 1:56
How Tornadoes Develop 5:32
What Causes High Winds 0:56
How To Locate The Storm Path 00:00

SLAP Process
The SLAP process is the process we use to get our foot in the door and obtain a signature on and Insurance Authorization.

Understanding Insurance Coverage
We will do a brief overview on what types on insurance coverage you will run into and how to explain it to the home owner.

Insurance Adjusters Meeting

Avalon Insurance Claim Process

How to get referrals from Insurance Agents
This video shows how to get referrals from insurance agents and build a pipeline of roofing & storm damage Leads.

Objection Handling
This lesson will go into numerous ways to handle homeowner objections to the insurance process.

How To Read The Estimate

Explaining Supplements To The Home Owner

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How Hail Develops
About Lesson

This is a brief explanation as to what happens to create some of the weather events that we encounter. This will help you understand what to look for when the threat of a storm is in our targeted areas. As well as what sizes and situations to watch out for. 

 Hail is caused by strong thunderstorms with intense updrafts, high moisture content, and a freezing layer in the atmosphere. Here’s how it forms:

  1. Strong updrafts in a thunderstorm carry raindrops upward into extremely cold areas of the atmosphere.

  2. In these upper parts of the storm cloud (cumulonimbus), the temperatures are below freezing, so the raindrops freeze into small ice pellets.

  3. These ice pellets are kept aloft by the updrafts and collect more layers of supercooled water (liquid water below freezing temperature).

  4. As the pellets are repeatedly lifted and dropped within the cloud, they gain more layers of ice and grow larger.

  5. Once the hailstones become too heavy for the updraft to support, they fall to the ground as hail.

  6. Damage can very based on the size of the hail and wind speeds. 

The stronger the updraft, the larger the hail can grow before falling.

Hail is classified by most experts by a standing size comparison.

1/4″ = Pea Size

1/2″ = Mothball Size

3/4″ = Penny Size

1″ = Quarter Size

1.5″ = Ping Pong Ball Size

1.75″ = Golf Ball Size 

2″ = Chicken Egg Size

2.5″ = Tennis Ball Size

2.75″ = Baseball Size 

3″ = Large Apple Size

4″ = Baseball Size

4.5″ = Grapefruit Size

4.75″-5″ = CD/DVD Size

The size of hail determines the damage done to homes but can also have a higher affect with high wind speeds (60 MPH or greater)

   A.   1-inch hail:
This is the size where damage starts to become noticeable, especially on common roofing materials like asphalt shingles, causing granule loss, cracks, and punctures. This usually has little affect on dimensional roofs but can affect older 3 tab roofs unless accompanied with a high wind speed.

 
  B.   1.5-inch hail:
Larger hail has a higher terminal velocity and impact force, leading to more significant damage. Typically this is the starting point for going to an area and checking for damage as it will be present as long as it occurred for more than just a couple minutes. 

 
  C.   2-inch or larger hail:
This size can cause severe and extensive damage, potentially puncturing shingles and even damaging the underlying structure. Anything 2″ and larger is the target and we will find damage almost every time. 
 
  D.   ¾-inch hail:
While smaller, this size can still damage older roofs or those with less durable materials, especially if there are high wind speeds, or it comes down for an extended period of time (15 minutes or longer). 

 

 

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