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Ground Water Seepage is Excluded

Oct 10, 2021 | insurance

Most homes have basements and unfortunately many basements in North Platte get water intrusion. Insurance companies call it “ground water seepage” and it is excluded from coverage.

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Class 3 versus Class 4 Shingles

Both shingles are impact resistant. They both typically warrant an insurance premium discount. So what is the difference between the two shingles?

Pick a Local Roofer

Pick whom you like, but pick local. No Omaha or Lincoln roofer is coming back under warranty for a leak. No, your roofer doesn’t need to meet the adjuster.

Class 3 Shingles are Impact Resistant

Class 3 shingles are Impact Resistant and are eligible for an insurance discount with most companies. They are less expensive than Class 4, but provide superior hail protection than typical shingles.

What are Impact Resistant Class 4 Shingles

Class 4 impact resistant shingles provide homeowners who with maximum protection from Midwestern hail and wind storms and they receive an insurance discount.

Is your roof 10 years old?

If your roof is 10 year old, or older then you probably have ACV coverage on your roof. In 2025 most insurance companies changed their policies regarding roofs.

In the roofing and insurance industries, the phrase “HAAG Certified” carries a lot of weight. HAAG Certification is one of the most distinguished. Insurance companies all over recognize the HAAG Certification, and they value this to represent that a true roofing expert completed the inspection on your roof.