Class 3 Versus Class 4 Shingles
New Harbor Roofing & Construction Class 3 Versus Class 4 Shingles Class 4 shingles offer superior impact resistance against hail compared to Class 3 shingles. Class 4 shingles are tested to withstand the impact of a 2-inch steel ball dropped from a height...- Don’t Wait Till After Hail Season to Turn in a Claim
No, you should NOT wait. If it hails again and your deductible and policy changes then the claim pays you less because the most recent storm is the Date of Loss. - Buying a Home With an Old Roof
This is risky because beginning in 2025, insurance carriers started putting ACV Schedules on roofs that are 10 years-old and older. That means the depreciation is not recoverable. - What is Recoverable Depreciation
Recoverable depreciation is the portion of an insurance claim that covers the difference between an item’s current, depreciated value (Actual Cash Value) and the cost to replace it new (Replacement Cost) - What is HAAG?
HAAG Engineers are the industry experts at evaluating damage to residential, commercial and industrial roofing. They have been forensically evaluating roofing for over 60 years. - Will Insurance Cover a 10 year-old Roof
The answer is that yes it can be insured, with ACV coverage which stands for Actual Cash Value. Beginning in 2025, insurance companies stopped offering RCV (Replacement Cost Value) coverage on roofs 10 years old and older.